2006-07-30 22:03:29 · 10 answers · asked by SEAN S 2 in Cars & Transportation ➔ Other - Cars & Transportation
In the UK you require different insurance.
Most UK insurance policies quote that it does not cover for "Racing"
2006-07-30 22:06:15 · answer #1 · answered by Stephen H 4 · 0⤊ 0⤋
Normal insurance will almost always exclude any kind of racing activity. Check it out carefully first. I don't know of any insurance that covers cars in full wheel-to-wheel racing (and if you could find any, the price would be crazy). But that doesn't mean that you can't do anything! And, you have a lot of work to do before you can race successfully
High performance driver education, or 'track days' are usually covered, as these are driver education, and not timed. These are the first places I'd go to learn how to *really* drive your mini, and the people there will be able to guide you deeper into racing. I did several years of this before getting my racing license and it *definitely* helped me start winning soon, rather than struggling at the back of the pack for years.
There is also autocross racing, which although it may not be covered, is generally quite safe, since you are out on the course alone.
Check out scca.org and bmwcca.org, find a local chapter, go to some events, and talk to people. You'll find some really helpful people if you show interest and readiness to accept advice.
2006-07-31 05:39:52 · answer #2 · answered by JP 1 · 0⤊ 0⤋
Some policies do cover recreational track use. Just check the terms and conditions or give your insurer a call. You may have to pay extra to cover it but shouldn't be a lot. I paid around £60 for the day but as long as your sensible shouldn't have to worry. Also on you cover your own car. ie.. if you hit someone your insurer (or yourself) is only liable for the damage to your car. It is the other parties responsibility for their own vehicle. Check the terms and condiditons on the track day to be sure but think that's right. Therefore if you have an old low value mini may not be worth paying extra and just take the chance. If its new pay... Don't let that put you off though. Track driving is extremely safe and enjoyable.
In response to one of the other post's: it's not racing if you just take your car to a track...
2006-07-31 05:31:04 · answer #3 · answered by Elliot H 2 · 0⤊ 0⤋
Insurance contract, the premia etc are related to hazard. so, obviously, the insurance is special for participating on a race track. Try reading the fine prints and also the 'reference' to certain provisions of other conditions laid down at the refered documents. Insurance is a matter of solicitation. That says it all !
2006-07-31 05:09:50 · answer #4 · answered by Spiritualseeker 7 · 0⤊ 0⤋
Check with your insurance provider to see if you are covered. Or contact the Race Track and seek advice from them.
2006-07-31 05:44:42 · answer #5 · answered by k 7 · 0⤊ 0⤋
I think when you book to use one of the pro race circuits with your own car the insurance is in the booking fee! but I would check with the organisers or call your insurance company!
2006-07-31 05:07:51 · answer #6 · answered by i_b_moog 3 · 0⤊ 0⤋
yes you do some insurance companys may cover you for that day at a price but generally insurance won,t cover you for racing that will tell you that on your insurance documents
2006-08-03 10:12:00 · answer #7 · answered by martin r 5 · 0⤊ 0⤋
Your policy will probably exclude racing, offroading and other non standard uses, so yes you will almost definately need special insurance
2006-07-31 05:09:06 · answer #8 · answered by Footy 1 · 0⤊ 0⤋
I think you need another insurance or better yet read the policy provisions to be sure.
2006-07-31 05:08:51 · answer #9 · answered by jeprx 3 · 0⤊ 0⤋
all states differ some jus call and ask
2006-07-31 05:05:25 · answer #10 · answered by cinnaamon_kiss_x 2 · 0⤊ 0⤋