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The Pub For General Automotive Related Talk |
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20-04-2012, 09:22 AM | #1 | ||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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What do members do in regard to insuring their vehicles when they do track days or drag racing?
I would assume none of the mainstream car insurance companies offer any kind of cover for these events? Is there a practical option for very occasional use - say 2-4 times a year? Do people just self insure - Ie. be careful and hope nobody else takes you out? I am comfortable with the risk at the drags for the most part, but what happens at a track if someone takes you out? If they have no insurance and are broke could you end up with a situation where you have to take them to court and they then end up paying you back over 10 years? |
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20-04-2012, 09:34 AM | #2 | ||
FF.Com.Au Hardcore
Join Date: Jun 2005
Posts: 5,193
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No insurance no blame, your car gets bent you pay to fix it.
Someone puts you in the wall and your car is a write off, bad luck for you.....that's racing. If you can't afford to lose your car don't race it. |
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20-04-2012, 10:49 AM | #3 | ||
and that's how it is
Join Date: Aug 2005
Location: Adelaide
Posts: 495
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Even if the other party does have insurance, no company's normal policies will cover damage caused by motorsport.
There are companies that specialise in motorsport insurance, OAMPS and the like, just type motorsport insurance into google and you'll get them all.
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20-04-2012, 10:53 AM | #4 | ||
FF.Com.Au Hardcore
Join Date: Mar 2005
Posts: 7,767
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You can buy insurance for the race track, I think Shannons do it, if not they might be able to help you
Everyone knows that normal car insurance does not cover you on a racetrack so stop posting that info, the OP already knows that
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20-04-2012, 10:56 AM | #5 | ||
SRT
Join Date: May 2008
Location: Adelaide
Posts: 154
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Shonky, aren't you running a new GT 335? Specialist motorsport insurance would be a killer for that, one can only assume....
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20-04-2012, 11:02 AM | #6 | |||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Quote:
I have had a bit of a google around, but many of the products available seem to be more around transport to events and against theft and damage in storage etc and stop once you get to the start line. Seem to be more for dedicated track cars as a substitute for regular car insurance rather than intended for street cars to be covered at the track. Maybe I am wrong? Does anyone on here insure their road car on track days? Thanks for the reply |
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20-04-2012, 11:04 AM | #7 | |||
and that's how it is
Join Date: Aug 2005
Location: Adelaide
Posts: 495
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Quote:
The last paragraph of the OP made it unclear, so I said it in no uncertain terms.
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1983 Ford XE Fairmont 2004-2009 2003 Ford BA Fairmont 2009-2010 2002 Ford BA Fairmont Ghia 2010 - 2014 2012 Ford FG MkII G6E 2014 - |
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20-04-2012, 11:07 AM | #8 | ||
and that's how it is
Join Date: Aug 2005
Location: Adelaide
Posts: 495
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With the amount of people doing track days in their road cars, someone must be providing an insurance policy to cover them. It would not be like the insurance industry to leave an untapped source of income alone.
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1983 Ford XE Fairmont 2004-2009 2003 Ford BA Fairmont 2009-2010 2002 Ford BA Fairmont Ghia 2010 - 2014 2012 Ford FG MkII G6E 2014 - |
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20-04-2012, 11:08 AM | #9 | |||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Quote:
Doesn't matter how careful you are if some drifter wannabe cleans you up it would be tears before bedtime. I am prepared to accept the risk of 400m, but the track seems a bit more risky. Would really love to get onto the track but :( Last edited by Shonky.; 20-04-2012 at 11:20 AM. |
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20-04-2012, 11:19 AM | #10 | |||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Quote:
Just rang Shannons. They can't offer cover regardless of whether one is an existing policy holder or not. All they can cover is everything up until when you enter the grounds of the event. The only option he knew of was using a broker to get offshore insurance from Loyds of London or the like. Sounds expensive! :( |
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20-04-2012, 11:34 AM | #11 | ||
FF.Com.Au Hardcore
Join Date: Aug 2007
Location: Brisbane
Posts: 551
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For what it's worth, it may be worthwhile asking your insurer whether they consider non timed/non competitive track activities as driver training/advancement, and if coverage can be offered to suit an agreement of off street conditions.
While not entirely similar to 4 wheel tin-tops, I had my Yamaha R1 insured with Swann years ago because they offered certain conditions related to off road activities. I participated in a cornering school at Phillip island and my bike had a light side to side roll. $10,500 worth of repairs which was mainly plastics and ancillaries and i had my bike back good as new. All paid for by insurer, $500 excess. |
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20-04-2012, 12:12 PM | #12 | ||
FF.Com.Au Hardcore
Join Date: Jun 2010
Posts: 2,199
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shannons used to have somethin where you told them what you were doing and you paid X amount to be covered. Although i think for that you also had to belong to a club sponsored by shannons
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20-04-2012, 12:50 PM | #13 | ||
FPV GTR
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Location: South Island High Country
Posts: 2,355
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Get a mate to help you push it out the front gate, down the road abit, and into a ditch.
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20-04-2012, 01:04 PM | #14 | ||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,338
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Contact the insurance ombudsman, they can give you some contact numbers.
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20-04-2012, 01:24 PM | #15 | ||||
FF.Com.Au Hardcore
Join Date: Mar 2005
Posts: 7,767
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Quote:
Quote:
The OP asked who he could insure with NOT 'would he have insurance on a race track'
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20-04-2012, 02:00 PM | #16 | ||
FF.Com.Au Hardcore
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Posts: 5,432
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Shannons will cover pre 48 on the drag strip and I beleived it was an option for later cars but not standard as it is with pre 48
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20-04-2012, 02:51 PM | #17 | |||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Quote:
I think they said it had to be over 65 years old, and also part of a club. The phone sales guy from Shannons knew nothing that would cover anything newer though. |
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20-04-2012, 02:52 PM | #18 | ||||
FF.Com.Au Hardcore
Join Date: Jul 2011
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Quote:
Quote:
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20-04-2012, 02:56 PM | #19 | |||
FF.Com.Au Hardcore
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Quote:
Thanks for the idea but Wanted to go to Lakeside on Sunday. Might just watch I think |
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20-04-2012, 03:04 PM | #20 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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If your into Motor Racing (in any form) you must have a CAMS license, give them a call they may be able to help.
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20-04-2012, 03:18 PM | #21 | ||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Was just for this:
http://www.qldraceways.com.au/all-au...air-dinkum-day still, I am not renowned for having awesome luck. Might just stick to the 1/4 for now |
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20-04-2012, 03:19 PM | #22 | |||
FF.Com.Au Hardcore
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Quote:
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20-04-2012, 03:23 PM | #23 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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If it's just a track day and you only need a civil license it will probably be only one car at a time on the track.
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20-04-2012, 03:30 PM | #24 | |||
FF.Com.Au Hardcore
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Quote:
http://www.fordforums.com.au/showthr...1347945&page=4 Yeah, might just go out there and make a call on the day - see how sensible folks are being |
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20-04-2012, 03:36 PM | #25 | |||
FF.Com.Au Hardcore
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Quote:
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20-04-2012, 03:54 PM | #26 | |||
Formally Kia Chaser
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Quote:
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21-04-2012, 12:47 AM | #27 | ||
FF.Com.Au Hardcore
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21-04-2012, 10:03 AM | #28 | ||
Mustang GT mmmmmm......
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I have become a Mustanger. |
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21-04-2012, 10:14 AM | #29 | |||
Sick Puppy
Join Date: Jul 2006
Posts: 1,963
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Quote:
Special Note: There is no cover available for the vehicle whilst engaged in any racing or testing activities. Cover is excluded from when you leave your pit to move to and enter the staging lanes and/or race track. This exclusion applies to both options. Its on the second page. Might be worth reading everything before recommending stuff. |
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21-04-2012, 11:12 AM | #30 | ||||
FF.Com.Au Hardcore
Join Date: Jul 2011
Posts: 4,819
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Quote:
Quote:
I think this type of cover is more for track/weekend cars that don't have regular insurance and/or rego. |
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