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Insurance At Track Days

Modena

By Modena,
in General Automotive Discussion

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wilch Grand Master

wilch

Posted
Posted
Actually,

they wont....

No company out there will, Shannons does for older cars, that actually do the historics and stuff.

Give em a call and find out.

Oh, hmm.. My policy says different. I dunno. I should call and double check.

raz0r$harP.UK Grand Master

raz0r$harP.UK

Posted
Posted
Shannon's only cover track days for older historic cars. Ring and ask, that's what I did and they said in no uncertain terms that there is no way they'd cover a skyline on a track day.

When I signed up to Shannons I asked about track coverage, and they offered it to me but it was about three times higher than my normal premium.

scathing Grand Master

scathing

Posted
Posted

Most insurance companies (these days) will cover you for advanced driver training courses, that may be run off-street. You have to have a driving instructor in the car with you to be eligible.

But if you're doing a practice session (let alone timed laps or racing for position) then you'll have to get specific track day insurance.....which will probably cost as much as the car. I don't think anyone covers those kinds of track sessions.

Snowman Grand Master

Snowman

Posted
Posted
I do believe that shannon's do.. or atleast they did cover track days for an excess price + a higher premium..

I'm with Shannons and I can tell you they do NOT cover you on the track for a normal track sprint. No one does. I believe they do cover you if you are on the track for a driver training course however - but not a normal track day.

wilch Grand Master

wilch

Posted
Posted

I scanned in a couple of pages from my Shannons product disclosure agreement.

According to this they didn't use to allow you to have the "Racing Extension" on your policy if the vehicle was older than 60 years old. Which I guess means they didn't use to allow "track insurance" for historics...

shannonspda13aj.jpg

...and here's the bit about what is covered when you have "club racing" ticked on your insurance policy.

shannonspda5dn.jpg

Maybe things have changed??

post-10239-1169447710.jpg

post-10239-1169447734.jpg

wilch Grand Master

wilch

Posted
Posted

Well, you can see right there. Hard to dispute the actual Shannons PDA.

I got that PDA last year. Maybe things have changed. I don't know. But anyway, there it is. According to that, they can cover you on the track, like I said in my very first post in this thread before all the naysayers decided to chime in.

And with regards to the age of the car and them only insuring "historics" on the track, according to that as long as the car is less than 60 years old they can cover it on the track.

wilch Grand Master

wilch

Posted
Posted

The more I read forums the more I realise that there is so much misinformation everywhere.

The best thing for you to do CCCP is to call Shannons, ask them to send a product disclosure agreement. Read through it, then call back asking specifically about the club racing section (if it even exists anymore). Quote page numbers etc. That is the only way you're going to find out what the real deal is.

The guys on the phones are worked to the bone and have to deal with lots of "fully sick" people wanting to insure their "hectic" rides, and when someone just straight out asks for track insurance they're bound to tell you to bugger off.

wilch Grand Master

wilch

Posted
Posted
Wilch, do whatever you like :P

I will bet you $500 that you wont get track cover.

The PDs says it, but remember, it is in plain english.

It is saying for the people who have the older classics and the historics that "If" they have that option, it will say that in their policy schedule.

Also - everything as to be printed in there even if it doesnt apply to your specific cover.

But, hey, you dont want to listen to me, so call shannons and find out :laugh:

Better give me $500 then... :rollseyes:

meh, I really couldn't give a flying fu(k about this anymore. Seriously, CCCP do what you want. Call Shannons.

I'm out of this thread. Try and help someone and you just get people questioning everything you say. Really over this whole SAU forum.

someonestolecc Grand Master

someonestolecc

Posted
Posted
I scanned in a couple of pages from my Shannons product disclosure agreement...

Not picking you out but just for everyone else - what Wilch means is product disclosure statement and is not necessarily an agreement.

The PDS will just tell you about the insurance product you're buying, your actual contract will have the policy endorsements/exclusions/conditions ... in short just cos it's in the PDS booklet doesn't mean it's in your policy conditions :)

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