Track Day Insurance
Understanding your insurance options for circuit driving
Important
Standard road insurance typically EXCLUDES track days, even non-competitive ones. Always check your policy.
Your Options
1. Track Day Specific Insurance
Single-day policies covering your vehicle on track:
- Cost: £100-500 depending on vehicle value
- Usually 10% excess
- Covers accident damage only
- Must be purchased in advance
2. Annual Track Day Insurance
For regular track day attendees:
- Covers multiple days (usually 5-10)
- Better value if doing 3+ days per year
- Same coverage as single-day policies
3. Self-Insurance
Accept the financial risk yourself:
- No insurance cost
- You pay for any damage
- Many experienced drivers choose this
What's Typically Covered
✓ Covered:
- Accident damage to your vehicle
- Recovery to paddock
- Onward transportation
✗ Not Covered:
- Mechanical failure
- Wear and tear (tyres, brakes)
- Third party damage (track's insurance covers this)
- Personal injury (track's insurance covers this)
UK Track Day Insurers
- MORIS: Popular, competitive rates
- Reis Motorsport: Comprehensive options
- Competition Car Insurance: Despite name, covers track days
- A-Plan Track Day: Good for modified vehicles
Tips
- Read policy exclusions carefully
- Declare all modifications
- Check if your road insurer offers track extensions
- Consider your vehicle's value vs insurance cost
- Some premium policies include limited track cover
Insurance Tips
- Check your road policy first
- Compare excess amounts
- Book insurance early
- Declare all modifications
- Consider self-insuring