| Does my standard road risks policy already cover track-days?
Probably not: ask your insurers. Increasingly, policies specifically exclude track-days. If the insurers suggest that they will cover track-days, get it in writing first and make sure they explain the extent of cover.
Is track-day insurance the same as ordinary road risks - but on the track?
No. The insurers on our track-day policies are not part of the regular motor insurance market. Cover is basic and claims are not handled in the same way as road risks policies.
Am I covered for third party damage?
No. You have no coverage for any liability to third parties, whether personal injury/death or property.
Am I covered if another driver collides with me?
Subject to policy conditions, you are covered whether damage is caused by you or another party.
What is the maximum value I can insure?
The maximum sum insured that we are able to offer under this policy is £30,000.
What happens if the amount of damage exceeds the sum insured?
Insurers will pay up to the sum insured under the policy less the policy excess and you are liable for all costs over and above this amount.
Can additional drivers/riders be covered?
Yes, but they are a nightmare! Most claims are caused by “Additional Drivers” and none of the accidents are small! The excess and premium carry considerable loading. We must have full details of their name, age and driving experience in the relevant sections of the quote page and have received the full premium.
What are the main policy exclusions?
Please see the sections "Summary of Cover" and the policy wording.
Can I get discounts for insuring more than ONE day?
Yes. With each day you insure through us, you will receive a 5% discount on your next day, subject to there being no claims. After the fifth day, the maximum discount will have been reached and all subsequent days will be at that level, subject to there being no claims.
Are specialist paintwork/decals and after market parts covered?
No, we cover only the costs of standard paintwork and parts unless the policy has been otherwise specifically extended.
What rights have insurers to salvage?
If insurers have paid for any replacement parts, they have the right to retain the damaged parts as salvage. Likewise, if the insurers have paid out on the basis of a total loss, they have the right to retain all salvage.
Is the policy arranged on a "new for old" basis?
No. Insurers may at their option repair or replace damaged parts with identical parts or of the same quality but they are not bound to use solely manufacturers' parts unless you pay the extra costs.
Can I decide who carries out repairs?
No. Insurers may ask that two estimates are obtained and they use a panel of repairers from which they may choose a company depending on make and model and location, price etc.
Does my policy cover the costs of modified parts?
Unless specifically agreed, insurers will pay only for standard parts and you must pay any extra costs.
Does the policy cover transportation and storage costs?
Unless specifically agreed, the policy does not cover the costs of removal of the damaged vehicle nor of storage.
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