So I've been eyeing up a little project to strip out and use purely for track work, a 106gti or a saxo vts.

However, insurance quotes are INSANE! I realise it's probably because kids smash them up for fun, but I'm looking at £700+ a year tpft. That's standard too before any mods.

It's crazy, I'm 24 with 3yrs no claims, I currently pay £550 fully comp on a £23k 420bhp M3, I have another 3 years NCB unused I can use for the track car but no way am I going to pay that much for it!

Grrr.

Are specialists worth a try? I do plan to cage it strip out etc. But if prices are around that mark I'll shelve the idea altogether.

A young driver in a small hatchback popular with boy racers and a history of being crashed at every opportunity. I'm not all that surprised it's pricey.

If you've got somewhere secure to park it off road, you'd almost be better off just trailering it to the track and not bothering with insurance.

Specialist are worth a try.

Ones on Briskoda Forum are particularly good.

 

Maybe just the limited mileage, ageed value, not even using the NCD with some Insurers.

 

http://premiumchoice.co.uk

Better buy another M3 for track work then Josh it's the only way around it

 

As said young driver with (relatively) low no claims insuring a modified version of a car that often ends up in hedges?

Insurance companies wet dream.

 

I did hear something about TPFT policies being more expensive than fully comp ones for some reason or another (crash for cash schemes maybe?) perhaps try fully comp it may bring the premium down.

 

Limiting mileage should help. Especially if your only going to drive it to a circuit max of 10 times a year or summin.

unless you can see yourself going - "nah I'll leave the M3 and take the Saxo :D"

 

Maybe try something less...um....loved by the council estates

 

Ford puma maybe? cheap as chips and still decent for FWD

early mk1 Leon Cupra? the 1.8T 20v 180bhp one?

mk2 Ibiza GTI (115 or 150bhp version - I loved my 8v one)

MR2?

E36 328i?

 

all would be a decent steer on track but the chavs haven't pushed the rating through the roof.

Try some of the specialist Motor Sport insurers, like Reis.

Your moaning about £700+ lol

Try living in my postcode. Im 27 with 9 years NCB and pay £720 for a 2003 octavia VRS.

Try insuring it fully comp as I have seen stories about TPFT being more expensive. Also are you getting your NCB on the track car as well as your daily?

A young driver in a small hatchback popular with boy racers and a history of being crashed at every opportunity. I'm not all that surprised it's pricey.

If you've got somewhere secure to park it off road, you'd almost be better off just trailering it to the track and not bothering with insurance.

It has crossed my mind, trouble is I've nowt to tow it with. Can be kept in work no problem but just couldn't trailer it.

Better buy another M3 for track work then Josh it's the only way around it

As said young driver with (relatively) low no claims insuring a modified version of a car that often ends up in hedges?

Insurance companies wet dream.

I did hear something about TPFT policies being more expensive than fully comp ones for some reason or another (crash for cash schemes maybe?) perhaps try fully comp it may bring the premium down.

Limiting mileage should help. Especially if your only going to drive it to a circuit max of 10 times a year or summin.

unless you can see yourself going - "nah I'll leave the M3 and take the Saxo :D"

Maybe try something less...um....loved by the council estates

Ford puma maybe? cheap as chips and still decent for FWD

early mk1 Leon Cupra? the 1.8T 20v 180bhp one?

mk2 Ibiza GTI (115 or 150bhp version - I loved my 8v one)

MR2?

E36 328i?

all would be a decent steer on track but the chavs haven't pushed the rating through the roof.

Ha I'd happily use mine for tracking (and will do) but I need a project I can play on the tools with lol

Will take a look at your suggestions and have a think, a certain someone is selling an Ibiza 1.8t at the moment too haha

Fully comp comes out at £750 so not really cheaper. I will ring a specialist see what they can do. It'd be mega limited mileage for sure!

Try insuring it fully comp as I have seen stories about TPFT being more expensive. Also are you getting your NCB on the track car as well as your daily?

I have a second NCB from a 2nd policy mate.

Something unpopular with youfs will be cheaper to insure.

Why don't you keep the TT?

Maybe think outside the box.... 1.8T engine in a Fiat Seicento

Have you thought about 1 day insurance just on track days.

I think the issue is that it is to be a Modified car 'to be used purely for track work',   that is to be road legal and driven on the road, and needs insurance.

It is not just to be trailered and used off the Public Highway.

 

So basically just a Modified Car, or at the moment a standard car, getting quotes as a Standard car & a Second car,

which is not that much of a problem to Insure Modified & Second Cars with Specialist Brokers rather than Mainstream Insurance Companies and Brokers.

 

JoshH,

Will the company that insured you for the TT & now the M3 not insure you at a reasonable cost for a 2nd vehicle ?.

 

george

Have you thought about 1 day insurance just on track days.

I think that'd be a right pain taxing it and claiming it back each track day

Try need to insure mate http://www.needtoinsure.co.uk/

 

Excellent for my Focus RS & Cossie

 

Lee

Try Suzuki Swift. Big following, race series, very cost effective.

Forget about insurance, nobody insures their pure track cars, no point. For circa £800 (or a bit more) you can get tow bar fitted to your M3 and an used small trailer if you shop around.

Much more fun and much less stress

Your moaning about £700+ lol

Try living in my postcode. Im 27 with 9 years NCB and pay £720 for a 2003 octavia VRS.

 +1

 

36 and with my postcode my Octavia is just over £600.

 

The issue is the car, terrible things away, bound to break and before you know you'll have got  serveral girls "up the duff" just by owning one!

 

Try a better, I mean different car and a specialist broker.

Try Suzuki Swift. Big following, race series, very cost effective.

Forget about insurance, nobody insures their pure track cars, no point. For circa £800 (or a bit more) you can get tow bar fitted to your M3 and an used small trailer if you shop around.

Much more fun and much less stress

Looking under the car there's no place to fix the tow bar and I don't think it's rated for towing either.

Some real good suggestions from you all, I will look into it and see what if anything takes my fancy other than a super chavvy saxo

This thread made me have a look at insuring a second car. 32 lost count of how many no claims I have but I do have the possibility of 2 years NCB from another policy. Insuring a 106 gti was cheaper than a octy vrs but still looking at around £400. And that's for a standard car with 2000 miles a year.

Trailer does seen to be the best option if you have a car that can toe :(. You save on taxing the car as well.

No problems with MOT, catalysts, emissions, noise, lights etc.

Or simply use your M3 as a track car

How about this Josh?

 

CITROEN SAXO VTR STOCK HATCH/TRACKDAY CAR WITH HUGE SPARES PACKAGE

£3499

 

If modding it, choose something obviously bland. Wheels, brakes, tyres, suspension will probably get binned anyway. Obvs would want disks all round and an understressed powerplant before any tinkering.

 

J.

^^ True

First decision to be taken is whether OP wants a track car or wants to compete in one of the numerous UK budget racing series.

 

Below thread is one of the best descriptions of a journey somebody who knows exactly what he was doing took with Suzuki Swift. Lots of pages with excellent pictures and descriptions.

See where he started and where he ended, don't cheat, read the whole thing

 

http://ssoc.co.uk/forums/showthread.php?7-Our-Swift-Sport-Track-Project

maybe this?

 

Seat Ibiza Cupra Gti 16v

£995