Trackdays & Damage Liability

rossybee · Post by **rossybee** » Wed Jan 24, 2007 10:53 pm

Oh, and meant also to say that AFAIR I've only done 3 TDs without insurance, as my policy with Eggar Lawson (part of CCI) includes 4 TDs per annum, with an excess of 10% of vehicle's value.

Ironically, the closest I've had to an on-track James Hunt was in the p1shing rain at Teesside Autodrome which was one of the non-insured days, not being run by a recognised TD organiser

Oh how the other driver & I larfed about it afterwards in the paddock

mckeann · Post by **mckeann** » Wed Jan 24, 2007 11:05 pm

Stewart,

I dare say that if you werent happy with how close people are following you, then a quiet word in the pits afterwards would do the job. I am not always aware of how close i drive, but no doubt it is intimidating to some people.

I obviously think i could stop in time or i wouldnt drive that close, but its never a problem to remind someone to give you room.

dezzy · Post by **dezzy** » Wed Jan 24, 2007 11:52 pm

I was waiting until my insurance is up in June to get full track cover on a policy, but might do what Mac has done and insure for about £5k to cover possible clam replacement (based on Andy's advice

).

Didn't realise the excess on track policies could be as high as 10k though. When I asked CCI for a quote for the purchase value of my car (£25k), the quote was £222 and excess was £2500. I'm therefore hoping that this 10% is applied on all quotes and perhaps if I insure for £5k cover it'll only be £500 excess. I would also hope the quote will be considerably cheaper!

This is just making me think . . . how does my insurance work with doing a Walshy day? I take it I won't be covered?

Post by ed » Wed Jan 24, 2007 11:59 pm

You dont need insurance for a Walshy day, theres nothing to hit! Only one car at a time etc etc

mac · Post by **mac** » Thu Jan 25, 2007 12:01 am

AFAIK you are covered for a Walshy Day as it's driver training by a ADI improved instructor - the fact that it takes place off the Queen's Highway should be inconsequential.

Where the above has been "tested" I'm not sure.

Mac

Andy A · Post by **Andy A** » Thu Jan 25, 2007 12:40 am

All this talk is putting me of track days in a big way,
not because of all the dodgie driving that I have seen in my short track life, you can if sensible keep well out its path,failing that report to marshals.
The way it works and the only way it can work is...
You are there entirely at your own risk, I know I would be very unhappy if somebody hit me! but I took the risk.
So the only question in my mind is insurance or no insurance, tis for your own car only.

Andy

Tom · Post by **Tom** » Thu Jan 25, 2007 1:49 am

ajvx wrote:All this talk is putting me of track days in a big way,
not because of all the dodgie driving that I have seen in my short track life, you can if sensible keep well out its path,failing that report to marshals.
The way it works and the only way it can work is...
You are there entirely at your own risk, I know I would be very unhappy if somebody hit me! but I took the risk.
So the only question in my mind is insurance or no insurance, tis for your own car only.

Andy

it all seemed a bit scary before my first trackday (in a borrowed exige

) but in actual fact, a few pax laps, and then a couple on your own, and it's no worries. i would reckon most folks on here don't bother with track insurance (certainly not at KH on a hot marques/brunty/SIDC day). there have been the odd hiccup but 99% of the time it's fine. more chancce of a prang on the road i reckon.....

ryallm · Post by **ryallm** » Thu Jan 25, 2007 9:48 am

Tom wrote:[. there have been the odd hiccup but 99% of the time it's fine. more chancce of a prang on the road i reckon.....

Quite agree, you really have to keep the track risk in perspective. In the five years I have had a Lotus I can think of loads of SE members who have had crashes on road, but really only 2 or 3 who have sustained serious damage on track, and I have never heard of anyone being injured on a track day, at KH or anywhere else. SE road runs have a history of far more incidents than track days. And in any case just about all the most enjoyable things I have done in my life (paragliding, climbing etc) involve an element of risk. Obviously a collision with someone else would be a nightmare, but if there was absolutely no risk at all of coming off on a track day when pushing the car hard on your own, then at least part of the buzz would be gone.

Mark

cla5h · Post by **cla5h** » Thu Jan 25, 2007 9:48 am

More chance of a prang on the road, but at least you're covered!

GregR · Post by **GregR** » Thu Jan 25, 2007 9:52 am

scottydog wrote:More chance of a prang on the road, but at least you're covered!

get track insurance

I did more damage to my DH bike than I've done to my lotus on track, and those bits were uninsurable - and some manufacturers didn't even honour the warranty!

dezzy · Post by **dezzy** » Thu Jan 25, 2007 1:57 pm

ryallm wrote: In the five years I have had a Lotus I can think of loads of SE members who have had crashes on road, but really only 2 or 3 who have sustained serious damage on track

<snip>

SE road runs have a history of far more incidents than track days.

Do you think that says something about driving standards on road runs or that we're driving too fast for the roads? Do you think it perhaps means too many people treat the road like a track?

I should probably start a new thread for those questions . . . !

GregR · Post by **GregR** » Thu Jan 25, 2007 1:59 pm

dezzy wrote: Do you think that says something about driving standards on road runs or that we're driving too fast for the roads? Do you think it perhaps means too many people treat the road like a track?

I should probably start a new thread for those questions . . . !

Nope - it says more about the number of variables on road as opposed to on track

tut · Post by **tut** » Thu Jan 25, 2007 5:09 pm

I have probably done more road run miles than anyone, most of them quickish, and never had a scratch apart from the deer incident, around 30 tuts, and nothing that you can really do about those.

tut

ps please note for those of you with fingers poised over the keyboard that I said road runs, that does not include writing my car off at home, or falling asleep.

mac · Post by **mac** » Thu Jan 25, 2007 5:11 pm

What about the cow incident that said goodbye to N1TUT (version 1)

Mac

Post by ed » Thu Jan 25, 2007 5:12 pm