Whether it’s been a lifelong dream to drive your beloved car around a circuit favoured by motorsport legends, or if you’re a kitted-out enthusiast who tackles these circuits weekly, the topic of track day insurance is sure to have come up.
If you’re regularly taking your car out for track racing events, it’s definitely worth considering track day insurance. It’s not a legal requirement, but it gives you the peace of mind to enjoy racing your beloved car, while knowing you’re covered financially.
Unfortunately, accidents do happen and even though you know that you are a safe or experienced driver, you can’t speak for every other person on the circuit with you.
In this article, we’re going to cover what track day is, how much it costs and whether it’s worth investing in.
Should I get track day insurance?
To put it simply, yes you should get track day insurance to protect your car from damage that happens on the track, as this is often not included in your standard car insurance plan.
By purchasing track day insurance you are protecting yourself from financial losses in the event of an accident which allows you to have peace of mind for the day ahead.
So let’s dive in to see what exactly track day insurance is and why it’s recommended so highly.
What is track day insurance?
Track day insurance is specifically for those who want to drive their own car around a racing circuit for the day, which is commonly known as a track day.
Track day insurance is a specific car insurance that covers the costs for repairing your car should there be any damage caused on the track or from other drivers. Of course, be mindful that all insurance policies are slightly different and will vary to some degree in regards to the specificities of what they cover.
It is worth noting that track day insurance is not often included in your usual car insurance due to the risks associated with the activity. This is especially the case for those of you who have modified and optimised cars. For peace of mind, it is worthwhile purchasing specific track day insurance to cover your day, which can be done instantly over the phone.
There are plenty of different insurance policies out there, so find the one that works the best for you. It’s important to find a policy that takes into consideration your personal needs and requirements. This will not only provide peace of mind for the day but could also help you save money.
When it comes to specific track day insurance coverage, you do not need to be tied into anything. This type of insurance policy can be purchased for a single-track day or for multi-day coverage, which could be more cost-effective depending on how often you go.
Keep in mind that there are some limitations to track day insurance as it only applies to non-competitive events and does not include third-party liability. As with any insurance policy, it is important to read the fine print so that you have the best coverage for your needs.
Do I need insurance for a track day?
It is not compulsory to have track day insurance to take part in a track day event. However, if you choose not to get specific track car insurance, then it is your responsibility to cover all of the costs if your car is damaged on the circuit or potentially when you hit another car on the track.
Remember, the track owner itself is also not responsible for any damage caused to your car. So it is at your own risk if you choose not to invest in track day insurance beforehand.
As stated above, it is not mandatory to get specific track day insurance before entering a circuit, but it is certainly advised. No one ever intends to be in an accident, but it does happen. By being prepared you are protecting yourself from a potentially huge cost.
Are track days bad for your car?
Experiencing a track day can put an awful lot of stress on your car. But you certainly shouldn’t be ending the day with a broken vehicle.
Below we cover some top tips to help protect your car and reduce the likelihood of costly damage.
Before you take to the track
Before you even arrive at the circuit you need to think about how to prepare your car. Start off with a full service and thorough inspection to make sure that your car is in great condition. You want to focus particularly on your brakes and fluid levels here, but a full check is both beneficial and valuable.
If you are a little more advanced, there are plenty of other ways to modify your car so that it is fully optimised for the track. For beginners, it could be a great option to book some training before you go solo. Training doesn’t have to force costs through the roof and is a great way to test the water with someone else who can provide experienced guidance.
Remember to check the racing track website for extra tips and guidance before entering the circuit. There is always handy advice for both the newbie and the seasoned enthusiast.
Before you even step into your car you’ll be given a drivers briefing by the marshals, who will go through all the rules and regulations. Keep in mind that this advice is not just to keep you safe, but also to help protect your car from potential damage.
On the track
However tempting it may be to get on the track and just put your foot down, it is wise to gradually build up your speed with a couple of slower laps initially. Use the first few laps for practice to help build up your confidence and familiarity with the circuit.
Be sure to take breaks. Racing around a circuit is intense for both you and your car. Allow for breaks so your car can cool down in between sessions. It’s important to monitor your car throughout the day, to make sure that it is still able to run smoothly. Remember to check for overheating, oil leaks and monitor the fluid levels as well as the tread on the tires.
As you leave the track
Finally, as your day comes to an end, remember to cool off with a cool down lap before exiting. This is probably one of the most important things to do to help support your car as it will help to protect the brakes, engine, and transmission. In addition to this, make sure that you do not use the handbrake immediately when you return to the pits. This allows the brakes to cool down, and prevents them from binding.
Remember that a track day is not competitive, it is meant to be enjoyed by all, no matter what your ability or confidence is. There are strict rules and always plenty of marshals on high alert that are ready to reprimand misbehaving drivers.
How expensive is a track day?
The costs to attend a track day completely depends on which racing track you want to drive on. Some of these racing tracks are the homes of the most historic motorsport events and racing legends. With this in mind, it usually costs between £100 and £500 to take part in a track day.
That is for the day itself. In addition to this, it is advised to make sure that your car is in top-notch condition. There will be the additional costs of having a full service and any work that needs to be done beforehand. Remember to make sure that your car has a full tank of petrol. You should expect to refill your tank a few times throughout the day so bear this in mind.
So now you have booked your track day and your car is ready. It is also worthwhile being prepared with some handy tools and equipment for the day. This may be an additional investment but there will also be plenty of other people at the track who most likely will be willing to help out if needed.
Next, make sure that you are prepared. It is advised to wear trainers or driving shoes, long sleeves, and long trousers or jeans. The main point here is to just make sure that everything covered. You’ll also need a helmet to finish off your track day look, which most track day companies will hire out if needed.
One of the major ways to keep costs down during your track day is to drive smoothly. If you really push your car past its limits then you risk damaging it, which will lead to some hefty costs afterward.
Last but certainly not least, no track day experience is complete without snacks and plenty of water, so come prepared with everything you might need for the day.
The risk and adrenaline is part of the experience when it comes to driving on a racing circuit. To be honest, it’s the reason people go back time and time again. It’s part of the fun. Hopefully the advice in this article will help get you prepared if you are a first time track racer as well as answer some questions about track day insurance.
If you are interested in learning more about specific track day insurance and how it could support you and your beloved car, then check out A-Plan for an instant quote. With specialist advisors at the end of the phone you can be rest assured that you will get the most suitable and cost-effective coverage so that you can enjoy your day to the max.