What happens when a :thumbdwn: at a trackday runs out of talent and no one was insured.

Bedford Aerodrome Trackday Pictures 18 April 2009 - BMW 3-Series (E90 E92) Forum - E90Post.com

halfway down,

Make sure you get track day insurance folks!

mods if this is in the wrong place please feel free to move or delete.

Edited 8 July, 200917 yr by RichB86

I am doing about a track day a month now and still don't think track day insurance is worth it.

You can spot problem cars. If yo're near a problem car just go in and wait for them to come back in, and keep far away from everything.

Drive fast but with observation and I reckon track days are 'safer' than driving on the roads.. the one I did in June was particularly well managed I thought and there were no 'dangerous' incidents whatsoever.

But if I had the money to throw away I might do insurance for peac eof mind.. I only have to do 6 or 7 incident free track days and I then can afford to have an accident and repair or replace the car with the money I will have saved...

i had a quick loko around on PH and it seems trackday cover can be had quite cheap, but i read a bti more and the excesses would almost be pointless for a lot of people!

Thats a pretty expensive shunt to have! :rotz:

I get concerned when following something expensive on the road - "imagine the cost if i had a bump with this thing" always goes through my head!

With regards insurance I think I prefer my enthusiasm to be kerbed by the fact my mind is constantly telling me that if anything goes wrong I won't be able to drive home and it's gunna cost me BIG!! rather than the luxury of an insurance policy

That way it keeps me super alert of everyone else and hopefully keeps me within the boundries of my (very low) talent level.

oops! That's over £150k worth of cars isn't it??

That way it keeps me super alert of everyone else and hopefully keeps me within the boundries of my (very low) talent level.

That is exactly how everyone on track days should drive in my opinion. Even experts shouldn't drive at their limit - save that for race days!

I hope the guy in the aston can afford to buy the other guy a new car, because the sill on the porker looks pretty bent.

when i was looking at the insurance for Track days (out of interest) i seem to remember that the insurance only covers your car anyway, no third party liability.

when i was looking at the insurance for Track days (out of interest) i seem to remember that the insurance only covers your car anyway, no third party liability.

And don't the policies have silly excesses anyhow?

What's more important is drive within you limits and don't step out on to the circuit with the expectations that you're the undiscovered twin brother of Jenson Button et al...

Ouch

but as a recent court case ruled,if on a track day and you drive like a clown and write someone else off with no insurance you are under NO obligation to pay for their repairs

I think id be having a policy just incase some **** ran into me

I would say both cars might be write off's

Edited 2 January, 201016 yr by chrisw880

I notice it said he had been warned twice... imho the organisers are partly at fault for letting him continue. Thats why we pay good money to these companies, in the hope they look after us. Safety is the priority and it looks like by letting that muppet loose they failed to cover it.

J

and this is the only reason why I'm tempted to get trackday insurance. I'm not likely to push it that far to stuff it but I cannot control the other person...........................what happens to the porsche does the Aston man pay for it? And even if you did have insurance would it actually payout for this? And what about the excess which from what I've read is normally about £1000+ who should pay that?

I know there is the view of the unwritten code that we are all on there and take our own risks but when someone has been a prize tool and ignored the marshalls and stuffed someone elses car should they not be made to pay?

I know there is the view of the unwritten code that we are all on there and take our own risks

For most track day organisers this IS a written rule!

There is obviously a complete lack of control over anyone elses actions while on track; but to me this applies more so on the road.

At least on a track day everyone is there for the same reason and should be concentrating to the maximum - I mean no one WANTS to crash - rather than on the road where someone could be drinking a coffee, doing their make up, shouting at the kids, changing the radio, etc etc.

You also have the option on a track day that you can just ease off, let them past and stay well clear (As I did a couple of times when caught by an often sideways M5 at Colerne in October)

If you can be in 100% control of your actions and make sure your actions minimise the chances of some else ruining your day/car/life it'll all be fine.

(As I did a couple of times when following an often sideways Silver Fabia at Colerne in October)

You were no trouble to anyone...........while facing backwards on the infield

Althoguh a cone did feel the rath - I wonder if it was insured!

this is why i dont do track days .... u always get some t**t who thinks he can drive a car at speed .... when he cant

at least at the ring the marshalls do their job

this is why i dont do track days .... u always get some t**t who thinks he can drive a car at speed .... when he cant

at least at the ring the marshalls do their job

I have done many track days in my Mk1 Vrs and my Westfield and have to admit I have never seen any cars come together. Most people seem sensible and have big respect,

Maybe because the events I do dont tend to have Astons and Porsches.... lots of power, lots of money, lots of ego but minimal driving ability perhaps!

Suprised the Aston was allowed out as at the track days I do convertibles have to have a roll bar/hoop.

Track insurance is too expensive just use a car that is expendable as the worst however unlikely could happen.

Rich boys and their daddys toys.

Stupid ****.

Mmmm, sounds a bit like this chap! lol

^The belief that you are never liable for what you do on a track day and that you have no rights against other people's negligence is a bit of an urban myth actually. You are not automatically liable for a shunt but you do owe a duty of care to others.Legally you cannot exclude liabilty to anybody you have injured through your negligence; you can only exclude or restrict liability for damage to property to the extent that it is 'reasonable' .

Mmmm, sounds a bit like this chap! lol

That is brilliant

Ouch. I wonder if the Porsche driver did flatten him in the end...