Track day car insurance

Driving your own car around a race track is an exhilarating experience, giving you the freedom to hit top speeds and really test your driving skills. But what type of insurance do you need for track days? Will standard car insurance cover you? Here’s everything you need to know.

Driving your own car around a race track is an exhilarating experience, giving you the freedom to hit top speeds and really test your driving skills. But what type of insurance do you need for track days? Will standard car insurance cover you? Here’s everything you need to know.

Julie Daniels
Insurance expert
4
minute read
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Last Updated 20 SEPTEMBER 2022

What is track day car insurance?

Track day insurance provides accident cover when you drive your car on a race circuit as part of an organised track day.  

It can pay for repairs to damage caused by crashing into a barrier, as well as collisions you have with other drivers.  

Track owners aren’t responsible for any damage to your car, so whether you drive a sports car, classic car or a hot hatch, it’s important to check what cover you have before heading to the circuit.

Do I need specialist insurance for track days?

Yes. You’re unlikely to be covered by your standard car insurance policy for track days because of the risks involved. After all, you’re free to reach speeds that would be illegal on the road. 

In most cases you’ll need to take out a separate policy from a specialist track day insurance provider. They’ll be able to help you find the right policy and tailor your cover to meet your needs.  

If the car you use for track days is the one you also use for everyday driving, you might need two types of car insurance – one policy to cover road use and one to cover events. 

What’s the difference between standard car insurance and track day insurance?

Track day insurance is specifically designed to cover you for driving your car on a race track rather than public roads. 

The biggest difference is that car track day insurance typically doesn’t include third party liability. This means you’ll only be covered for damage to your own vehicle. So if you were to hit another driver on the circuit who wasn’t insured, it would be down to them to pay for repairs to their car.  

You can also choose a specific value to insure, which you agree with your provider when you take out a policy. Unlike with standard car insurance, it doesn’t have to be the full value of the car.

What does track day insurance cover?

Track day insurance is designed to cover the cost of repairing or replacing your car if it gets damaged while you’re taking part in a non-competitive track event. This could be at a disused airfield or a famous motor-racing circuit, like Silverstone or Goodwood.  

Track insurance will generally cover your vehicle for any accidental damage, regardless of whose fault it is. You can choose single or annual track day insurance depending on how many events you go to. Cover could also include: 

  • Fire damage 
  • Personal injury 
  • Modified cars 
  • Journeys to and from track events 
  • Specific UK and European track events 
  • Tools you keep in your car for maintenance

What doesn’t track day insurance cover?

Before putting your pedal to the metal, there are a few insurance exclusions to be aware of. Your policy might not cover include:

  • Damage suffered during races or time trials 
  • Use of your car on public roads 
  • Mechanical breakdown of your car’s engine or gearbox 
  • Fire damage not caused by the track 
  • Recovery costs  
  • Any damage sustained while someone else is driving your car (if they’re not insured on your policy). 

Cover can vary between track day providers, so it’s always best to double check exactly what you’re covered for.

What if my track car has modifications?

Some drivers choose to soup-up their cars to really make the most of the track day experience. But if your car has undergone any modifications, or had any parts changed, you’ll need to let your insurance provider know. If you don’t, you could invalidate your policy. 

In many instances, car modifications – such as if you’ve made the engine more powerful, fitted a spoiler, lowered the suspension or added alloy wheels – could lead to higher premiums. 

If your car is heavily modified, you might need modified car insurance that allows for track days. 

Can I use my race car on the road?

Track day insurance will typically cover you for journeys to and from race circuits, as well as car shows and officially recognised owners’ club meetings. 

But it’s unlikely to cover your race car if you want to use it to pop to the shops or do the school run. If you use your car for daily activities like commuting and running around town, you’ll usually need a separate policy to cover this. 

Always check with your insurance provider if you’re unsure about what you can and can’t do.

What happens if I get injured on a track day?

Fortunately, most people will emerge from the day unscathed as there are lots of safety measures in place at these events to help prevent injuries. For example, you’ll have to wear a crash helmet, and barriers should cushion the blow if you do spin off. 

Track day car insurance policies may include some level of personal injury cover as standard, but you’ll usually have to buy this as an optional extra if it’s something you want on your policy. Personal accident cover can help pay for treatment costs, lost income and other expenses if you suffer a serious injury while at the track. 

If any of your track days are overseas, it’s also possible to get cover that will pay for your medical or repatriation costs if you have an accident that needs hospital treatment. 

Frequently asked questions

How much does track day insurance cost?

As with all car insurance, the cost of track day insurance depends on a number of factors, including: 

  • Your age and experience 
  • The type of car you drive 
  • The number of track events you plan to take part in 
  • Previous track day claims 
  • Any modifications you’ve made to your vehicle. 

How can I reduce the cost of track day insurance?

You may be able to lower your car track day premiums by: 

  • Agreeing to a higher voluntary excess (the amount you pay towards a claim). The higher this is, the lower your premium will be. But make sure you choose an amount you can afford.  
  • Building up your track day experience. Some providers offer discounts if you have a good track record, so to speak. 
  • Choosing a safer track. Some car track day insurance providers will offer cheaper cover on tracks with large ‘run-off’ areas. 
  • Buying an annual policy. This can be cheaper than several single-day policies. 

Is car insurance for track days a legal requirement?

No, race-car insurance isn’t compulsory. But it makes sense to have it in case not everything goes to plan. Circuits have challenging twists and turns and accidents can happen, so you might find track insurance beneficial, especially if you’re new to track driving. Even if you’re a seasoned circuit-goer, you’re not infallible.  

In any case, the car club or organisation running the track day might insist you take out extra insurance.

Can other drivers be added to my track day insurance?

Yes, if you want to experience the thrill of track days with your mates, additional drivers can be covered. But bear in mind that sharing your car at the track will increase the cost of your insurance. The driving history of any additional drivers will also need to be risk-assessed by your provider.

What track day insurance add-ons should I consider?

You’ll usually have the option to buy extra insurance to add to your car track day insurance cover, including: 

  • Personal injury insurance – your risk of an accident goes up if you’re hurtling around a track at high speeds. A personal injury policy could cover loss of income if you suffer a serious injury. 
  • Track day recovery insurance – if you’re unable to drive your car home following an accident or mechanical breakdown, you can get it recovered to your home address or a local garage. 

If you drive a supercar or sports car on the roads, performance car insurance may give you everything you need in one package, as some specialist providers include track days in their policies as standard.

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