Kinks (and others),
I have been to many track days now... as have all the team trackday people, some of us just learn about our cars, some of go all out to try to beat our lap times, and some of us try to drift each and every corner.
Our cars are not insured while we are on track as I'm sure not many cars are. I know that these days organised by moto concepts have only had 6 or 7 accidents in there 4 years of operation, that is a lot better odds than driving on the road in my mind.
Provided you drive WITHIN your means then everything should be fine.
As I have said there are plenty of experienced trackies coming on the day that are always more than happy to take you out for a few laps and show you some lines etc. And I believe Bonkers is not driving due to the building of his new house, he might still come out to the track (can you confirm bonkers?) and he I'm sure will be more than happy to get out there in your passenger seat and show you where to go.
Even if you just come along for a watch this time to see what it is all about. I will be happy to take you out and show you what it is all about.
Dan.