Track Day Insurance

[AnthIste]

Hi everyone. I am aware that taking your car to a public track day is pretty much guaranteed to not be covered by insurance. However while reading about this - apparently some insurance companies drop your insurance immediately if you even ask about a trackday :wtf:. This could just be 'murica being retarded, but it's not a risk I want to take. Also, supposing you do go to the track (at your own risk and liability), do you "owe" the insurance company a declaration that you have done this, at the risk of fraud? Sometimes things that seem perfectly reasonable just... aren't, and it's better not to find out the hard way. Also, are there dedicated one-day insurance packages that you can take out?

My thinking was - if there are BMW clubs and Ford clubs and all sorts of clubs - either everyone just takes the risk, or the insurance companies have wool over their eyes.

Could someone please help shed some light onto this situation

 

[SauRoNZA]

Can't comment on cars really but with motorcycle its a simple case for me of switching to another insurance that does have cover.

Premium is pretty much the same but I have a higher excess if I crash on the track and if I crash into someone there is no third party cover but then they have their own liability it being a private road.

No need for to declare anything to your insurance if toy aren't using them since your policy is applicable to public roads only.

The one you should be careful about is your medical aid. They ordinarily just exclude racing so track days are fine so long as there is no timing device in place.

One day insurance doesn't make economical sense for anyone, so it doesn't exist.

******

Often if the manufacturer of your car also arranged your insurance and they host the track events then it's automatically covered.

This happens for BMW bikes I know, not sure about cars.

 

[Thanatos]

^this

 

[AnthIste]

Can't comment on cars really but with motorcycle its a simple case for me of switching to another insurance that does have cover.

Premium is pretty much the same but I have a higher excess if I crash on the track and if I crash into someone there is no third party cover but then they have their own liability it being a private road.

No need for to declare anything to your insurance if toy aren't using them since your policy is applicable to public roads only.

The one you should be careful about is your medical aid. They ordinarily just exclude racing so track days are fine so long as there is no timing device in place.

One day insurance doesn't make economical sense for anyone, so it doesn't exist.

******

Often if the manufacturer of your car also arranged your insurance and they host the track events then it's automatically covered.

This happens for BMW bikes I know, not sure about cars.

Good info, thanks a lot. I guess I'll call around and see who does give cover because they don't really advertise it directly. When Googling this I did see a lot of options for bike owners but not so much for cars. I'm still a bit hesitant to ask my insurance what their policy is because I already got hit by a high premium due to "risk profile"

 

[Bakes007]

Good info, thanks a lot. I guess I'll call around and see who does give cover because they don't really advertise it directly. When Googling this I did see a lot of options for bike owners but not so much for cars. I'm still a bit hesitant to ask my insurance what their policy is because I already got hit by a high premium due to "risk profile"

Did you manage to get cover?

 

[Drifter]

I got quoted R10K insurance cover to do an advanced driving course on the track.

 

[Purply]

4 Years later....

 

[stroller]

Wasn't there a post some time ago to the effect that Track Days are actually covered because the car is not being raced.
When you are racing, it is a timed event and insurance doesn't cover such events.
However, track days are simply driving ten colours of shyte out of your car on a race track but you are not racing?

There is a subtle difference.