Whats the deal with track days?

[dthebuk]

So if i have a track car, which i tow to the track, do i need insurance?
or is it dependent on the track?
Also if i drove the track car on the road, would i need different insurance for track?

cheers

[Timmy]

Track insurance doesn\'t cover your vehicle. I thinks it is more for your life, injuries and if you get sued by another driver ect.
I think if it is a track car only you have to goto test days not track days and need a race lisence.

[RemarkLima]

Sorry to contradict, but last I heard you can take a race / track only car on a trackday, without insurnce.

The organiser will have public liability insurance, and you\'ve all signed your lives away on a disclaimer. There\'s no 3rd party on a track so you can only insure yourself / your own car.

The a insurance co called Competition Car Insurance who specialise in this kind of thing.

Also you could get the track car insured for fire and theft only, just in case which would cover it at your house etc...

It\'s been a couple of years since I\'ve been in the race / track scene so things may have changed. When I first started out you could use handheld video camera\'s! Things are so much stricter now

[Philo]

Its all in the small print of the track and i would expect dependent on the event (e.g. race or just track time) as i discovered on a recent track day.

For my recent track day at Donington Park none of the cars needed an MOT or Insurance.

I looked into insurance for the track but it is very expensive and has a lot of exclusions so like many people i did not bother.

While at the track i was in the car with an instructor and witnessed an accident between 2 cars. The blame was 100% the fault of driver 1. However i was informed by the instructor/track official that driver 2 would have no chance of recovering the cost of repairs from driver 1.

The courts take a view that if you are foolish enough to take your car on a track you accept the risk that it may be damaged. So if you hit a Ferrari you will not be expected to pay for it. :Hammer