Track Day Insurance Cover – Tips on Getting a Good Track Day Insurance Quote

Track Day Insurance Cover – Must-have Insurance

Car enthusiasts throughout the UK are taking part in track day activities. In this kind of event, a number of cars can be represented, from Ferraris to regular stock-type racing cars. However, even though you may find the activity a fun and relaxing event, you still have to be aware of the potential for risk. That’s where track day insurance is necessary protection. For example, any track damage may ultimately be placed on the shoulders of a driver who caused the needed repair. Oil spills, too, can cause the occurrence of unforeseen accidents as well.

Insurance for Track Day – Specialized Protection

Don’t make the mistake of thinking that your regular car insurance can protect you should you have an accident at the track as many regular auto policies contain exclusions in this regard. Plus, keep in mind, that any disclaimers you sign at the track are designed to place any liability in your lap, even if the damage cannot be attributed to you.

Know what is and What is not Covered under your Policy

However, you need not feel discouraged as you can obtain track day insurance cover or receive a track day insurance quote from a number of companies that concentrate in this type of protection. Before signing on with any specific insurer though, you will need to peruse your contract and make sure that you completely understand what is covered and what is not covered under your track day insurance plan.

Personal Injury

Therefore, check personal injury cover as well as the exclusions for protection. Generally, track day insurance will not provide protection for transmission damage or destruction to the tyres, wheels, or engine. So, you will need to review your policy in full before signing on the dotted line. If you feel specific protection needs to be included, then you’ll have to see if the insurer can provide additional insurance.

Selecting an Insurance Plan

Categorically, you should cover yourself with track day insurance for:

  • Personal liability (up to £2,000,000)
  • Death and disablement (up to £10,000)
  • Legal costs (up to £25,000)
  • Equipment (including such items as racing suits, gloves, and helmet)

Look Online

In addition, track day protection should extend to search and rescue expenses in the UK. Of course, when you are shopping for track day insurance, you’ll need to compare the protection of at least three insurance companies. That way, you can be assured that you are receiving the best cover for the money. Look at the alternatives online to see what individual plans have to offer.

Make sure you are Adequately Protected

While enjoying track day activities is a fun way to escape the routine of everyday, it’s still important to make sure that you are adequately insured so you can enjoy your time away from work with more peace of mind. So, check the various companies that specialize in insurance for track day by requesting an online quote. You may also ask for a callback if that is more convenient. Just make sure that you are adequately insured and that the price you are quoted is equitable for the amount of cover.

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