As we know not many cars are insured on track days due to the large excess required which often renders the insurance useless for most track day cars anyway..

So.. if you hit another car on a track day and it was your fault.. would you pay?

Yes, because I know if I was on the other end I would want the limbs and first born of the **** that hit me

Me too - but if I wrote off a porsche I don't think I could afford to spend my whole life paying the person back.

If I inflicted damage on a car that I could reasonably afford to pay back then I would not hesitate for a moment

Well, yeah.. realistically!

Obviously you have to look at the damage caused and to what car. But then - as stated on the other thread - if you drive within your limits and aren't being a tool you shouldn't have to worry about this sort of thing.

Not quite in the same context, but as the saying goes -

"If you can't do the time, don't do the crime".

Surely, if you can't afford the insurance, you do it at your own risk, and should be able to suffer any consequences which flow from it.

Just call me Mr Killjoy :(

This is an interesting topic because everyone knows the score before they attend.

i have never done a track day, but i wouldn't do it without insurance

this is one of the things that has stopped me thus far from doing a track day, but if i was driving like a knob and crashed into someone else cars i would do what i could to sort it out as id like to think the same would happen if the shoe was on the other foot.

I would at least make sure I had insurance that covered damage to 3rd parties and the track (barriers etc). Even if the excess was a couple of grand that's better than footing the bill for writing off someones Porsche.

Same question also applies to the Nurburgring. I don't think there are currently any insurers which will cover you on there and it makes me feel sick just thinking about how much your life would be ruined if you caused a multiple-car accident on there... :eek:

I think it would have to depend on the circumstances...

If it was entirely my fault, I'd have to.:(

Personally i wouldn't do it without insurance.

Carl:thumbup:

I would imagine they could pursue you through the civil courts at least, at the 'ring they will just accept the deeds to your house before they let you out of sight, so unless you are fit enough to do a bunk over the fence (first having removed you plates and filing all identifying numbers from your car) I would recommend being bloody carefull or getting a specialist insurance

If it was my fault then I would offer to cover or help with costs! Personally I think Im more likely to have an accident on public roads (but of course I have insurance for that). You have to be responsible but you cant guarantee everyone else will be! Everyone is travelling in the same direction and unless its the Nurburgring you're unlikey to be on track with super cars. I'm not sure Id be so willing to track my car if it was a brand new motor but since its a 54 plate vRS (that Ive tinkered with) then if the worst happened I'd lose 4k or something (If I dont cause any other damage).

As for the Nurburgring - it would be interesting to know how many of the GT3s and the like are insured? You just have to be careful, if someone is all over you move over, watch your mirrors and drive within your limits. I would never be put off lapping the ring, I think its part of the appeal the fact it can be dangerous. Its a truly magical place if you like your cars

I would recommend being bloody carefull or getting a specialist insurance

If you can find someone that will provide that then let me know!

Last year I took out track day insurance which I thought would be the safe thing to do, luckily I never had to use it but I found out afterwards that as it's technically a public road then track day insurance isn't worth the paper it's written on :thumbdwn:

There are a few UK insurers that don't specifically exclude the ring on your normal car insurance but then you'd have to argue the toss to get a payout :(

It's put me off going again... if I do go it will be in one of those arrive and drive cars or paying someone else to take me as a passenger

it would be interesting to know how many of the GT3s and the like are insured?

I suspect most of the GT3s on there are German anyway so are covered by their German road insurance to drive on the ring.

I can't find a decent track day insurance company in the UK that will cover a car worth less than 10k anyway. And the ones that do quote about £300 a day for the cover. I honestly don't think it's worth it.

I would at least make sure I had insurance that covered damage to 3rd parties and the track (barriers etc). Even if the excess was a couple of grand that's better than footing the bill for writing off someones Porsche.

Same question also applies to the Nurburgring. I don't think there are currently any insurers which will cover you on there and it makes me feel sick just thinking about how much your life would be ruined if you caused a multiple-car accident on there... :eek:

Most of ze Germans aren't insured either. The 'Ring is a different kettle of fish to just about all other tracks, but on normal UK trackdays there are very defined rules that you have to stick to. Only overtake on the left or right, whichever you are told. Only overtake when you have been acknowledged and the person infront has indicated to make it clear that they have seen you. No overtaking on bends etc etc. It's very difficult to smack into someone else on the trackdays I've done or been to, to be honest.

Also, I don't know of any track insurer that cover 3rd party. They all cover damage to your vehicle and nothing else (at all, including barriers etc).

Most of ze Germans aren't insured either. The 'Ring is a different kettle of fish to just about all other tracks, but on normal UK trackdays there are very defined rules that you have to stick to. Only overtake on the left or right, whichever you are told. Only overtake when you have been acknowledged and the person infront has indicated to make it clear that they have seen you. No overtaking on bends etc etc. It's very difficult to smack into someone else on the trackdays I've done or been to, to be honest.

Also, I don't know of any track insurer that cover 3rd party. They all cover damage to your vehicle and nothing else (at all, including barriers etc).

Tbh any track day ive been on states pretty much these rules too and if the people out there are good drivers they will have an idea of who is around them etc.

Also you will be struck to find someone who insurers on the ring i think!

having done a few track days i wouldnt bother tbh as long as u drive in your limits and the cars then u should be ok

I wouldnt do a trackday unless insured.

I wouldnt do a trackday unless insured.

Even if you were insured, if you hit another driver that wasn't insured, they wouldn't get any money for the damage to their car. Or, are yo essentially saying that if people are brave enough to take their car on a track day without insurance, they should be prepared to sustain some damage and not complain about it (too much..)?

ive voted no i wouldnt pay for any damage, purely on the fact that you are all there by choice and therefore accept that there is quite a high risk that damage might be caused to either your vehicle, someone elses vehicle, or the track

ive voted no i wouldnt pay for any damage, purely on the fact that you are all there by choice and therefore accept that there is quite a high risk that damage might be caused to either your vehicle, someone elses vehicle, or the track

and this is exactly the courts point of view too,if someone hits you on a trackday there is nothing you can do to get your car fixed if they won't pay and you hold no insurance,you also sign a disclaimer before going on track which basicaly states you do it at your own risk

and this is exactly the courts point of view too,if someone hits you on a trackday there is nothing you can do to get your car fixed if they won't pay and you hold no insurance,you also sign a disclaimer before going on track which basicaly states you do it at your own risk

Agreed, if it is stated before that it is at your own risk, and it's perfectly legal to be on the track without insurance then I wouldn't pay either, and I would be willing to accept the same in return.

The only thing I'd be annoyed about is if the other driver was being a total cock

In that case I'd just ram them back twice as hard :P

Agreed, if it is stated before that it is at your own risk, and it's perfectly legal to be on the track without insurance then I wouldn't pay either, and I would be willing to accept the same in return.

The only thing I'd be annoyed about is if the other driver was being a total cock

In that case I'd just ram them back twice as hard :P

well keep clear of me on track:rofl:

There is a legal precedent set. A couple of years ago an idiot in IIRC a £500 Clio wiped out a brand new Boxster. The Porsche owner took it to court and lost, with the judge citing that the risks are obvious and the decision to put yourself and your possessions in obvious peril is your own responsibility. If you're not prepared to accept the possibility of either yourself, or someone else damaging your property in such an environment and on private property, then don't go on track without adequate insurance.

If you can find someone that will provide that then let me know!

Last year I took out track day insurance which I thought would be the safe thing to do, luckily I never had to use it but I found out afterwards that as it's technically a public road then track day insurance isn't worth the paper it's written on :thumbdwn:

There are a few UK insurers that don't specifically exclude the ring on your normal car insurance but then you'd have to argue the toss to get a payout :(

It's put me off going again... if I do go it will be in one of those arrive and drive cars or paying someone else to take me as a passenger

I suspect most of the GT3s on there are German anyway so are covered by their German road insurance to drive on the ring.

not looked into it myself, but PistonHeads - 'Ring insurance could save you £1000s

I've never done a trackday but would really love to. I often pop down to Snetterton when trackdays are on and have seen a few cars park in the tyre barrier but never a collision. One time there was a guy in a shed going in to every corner locked up and out of control. He was getting around the track pretty quick still so those in the nice cars just pulled straight out of the way when he appeared in their mirror.

If I do one and have a bang I wouldn't offer to pay nor would I expect the other party. Its a risk you take at the end of the day.