CynicG

The claim forms would certainly be a good read!

If professional racing drivers still need Race Control to make a call on some manoeuvres, would they have to rely on Track Day organisers to provide a similar validation of fault?

gaddafi

I was assuming it would give some protection against f*ckwittery from other drivers and you would accept damage as a result of your own ineptitude

CynicG

So if someone flies up the inside, off the racing line, clearly overtaking on a corner and you hit them, who pays?

gaddafi

A question for the insurers, not the insured

The same as any other collision where insured vehicles are involved

If you are talking about uninsured, I guess we would have a conversation and decide

mikefifth

conversation...with fists right?

MB

I saw one of those in the middle lane of the M25 this morning.

But yep, any uninsured track or racing even is down to the individuals to sort out, either like gentleman, or sometimes not!

gaddafi

Given that insurers have to sort out unbelievably complex incidents involving multiple vehicles on public roads

It must surely be within their capabilities to do the same on a track

What's the position with currently available trackday insurance - does it cover third party damage as well as your own car?

Maybe an alternative would be a deposit or bond lodged prior to the event and returned subject to an accident free outing

At the moment I'm seeing more pros than cons

gaddafi

Video?

White van man v rep?

MB

Spot on!

CynicG

I don't know which is why I asked the question. I'm not suggesting insurers couldn't handle the task but given that many/most on a track day would probably rate their own driving, I see the admission of guilt being quite low.

Q: If you currently have an insurance policy with track day cover, are 'no claims' multipliers higher due to the 'perceived' greater risk?

I quite like the down-payment idea. It wouldn't make the day costs prohibitive if you were safe.