The bigger issue is at the moment track cover is very cheap, as if only covers your car.

If the cover has to include any car you hit, or injury you cause, then price of track cover will have to go through the roof.

 

The way out is simple
Participate at your own risk and third party's are not liable for damage caused
It's how it's always been and the way it should stay

 

No just insist Cunterhams have adequate insurance I have video footage of racing caterhams taking the p1ss on public trackdays we've attended. We lost an hour of tracktime to marshals scraping caterhams off the track They were black flagged and sent packing. The organiser then had a legal challenge to their exclusion which went to court. Caterhams are driven by total bellends it's just the way of trackdays, but this precedient is ridicuous One person spoiling it for everyone

 

Doesn't matter wether it's caterhams or not
I've been on many trackdays with total ****
On one occasion on a bike day a guy hadn't tightened his sump plug and dropped oil halfway round donington ( spoilt the day )
But look on the upside , it made folk practise alternative lines
**** happens ,

 

It was the caterham''s insurers who sort to recover their costs not the driver of the Caterham.

i am sure once he got paid out for the damage (that he insured himself against) he couldn't really give a toss, however someone at his insurance company did

 

I think its probably easier just to get the feckin insurance.

 

Nothing's easier than how it's always been
Own risk , simple

" ooooh im scared I might damage my car "

If that's the case don't do it
Folks should either grow a set or stop at home with the microfiber and zymol

 

+1

As well as the blue decorating tape brigade

9/10 it's a Caterham driving like a *** though

 

My understanding is that at the very basic, simplistic, level insurance has two main functions - 1) to protect you from the loss of the insured article(s); and 2) to protect you against loss if and when you damage someone else's property and are deemed to be at fault and hence liable to pay them damages.

Standard Insurance covers you for standard day-to-day driving and is based on the risks the company takes on eg. more powerful car = higher premium, younger driver = higher premium etc. etc. It of course provides a minimum of Third Party (No. 2 above, covering your possible liability).

This part of insurance is actually the most important. Your car has a finite and relatively low cost eg. its value. However, your potential financial loss if found to be liable is potentially open-ended. We've seen full-life round-the-clock cover estimated at millions of pounds.

As can be seen, you can take a risk of writing off your £500, £5,000, even £50,000 track car but would you want to take the risk of forking out 10 times or more for being personally liable ?

Unfortunately the general impression people get of (any) insurance is that their property is protected and they are happy, not realsiing that the most important aspect is to have themselves protected.

PS I would think that trackday disclaimers are to protect the track operators from claims against them.
In other words although you sign to allow them to waive their responsibilities (by stating you're prepared to accept the risks) you are not entering into an agreement with other drivers in the same way.

 

Just take it your not covered for anything( although if irrc there was some personal death /injury cover with the acu) , I've been on track mostly bikes , both racing and trackdays ,
I can't believe all this big girl talk of insurance and claims
It's a risk both damage and personal injury/death
Seems the car brigade are a bigger bunch of gayers than I thought

 

Point taken Gary. However, setting aside the separate issue of injury, if each and every driver has car insurance doesn't that negate the claim culture? Each insurer takes care of the damage sustained to the car they cover.

I was always of a similar opinion. But reading that article on PH has raised a question that I didn't fully acknowldge before.
On the subject of personal injury sustained during a track session, it's easy to say "I'll accept the risk", until some absolute no-talent-******** who is out to prove he's the hottest thing behind the wheel takes you out and you end up in hospital, with consequential loss of earnings and potential disability and loss of job to contend with.
Will you still say "I accept the risk" then, when all of the resulting consequences can clearly be laid at the feet of a negligent driver? It's not so far fetched, we've all seen the drivers who blindly ignore briefing instructions not to overtake on bends and not to tailgate.
I realise that on-track injuries to amateur track day participants are rare, but face up to the possibility that you could be seriously injured, and that question becomes a lot more difficult to answer if you're honest about it.

 

There is one very important point that I don't think has been made.

Someone does something absolutely negligent and you die.
Your dependents lose not only you but everything.

If you don't insure yourself imo you are being extremely selfish.
It would be bad enough causing someone injury and they are never ever able to work again, worse to know that your actions have thrown them onto the financial scrapheap.

 

Let's be clear there's a lot of talk of talentless and *** heads
You go on trackdays to push the limits of your car and yourself
And in doing so more often than not result in a mistake
It's only when you get to yours or your vehicles limit will you know what they are
I've seen it a million times
The guy who's considered a *** because he's too slow/fast , off line /wrong line at wrong time , or just loses it
These things are of no concern to me , I see it that if you're an experienced skilled rider/driver you will overcome /go round /avoid these type of folk and drive or ride your own lap
Maybe a few on here are not as competent as they think

 

So don't do trackdays Motorsport is dangerous, and if people are driving like **** report them to the Marshals

 

I raced bikes , and that alone is considered selfish
It's a risk , either take it or like I said , stay at home

 

+1, it really is that simple

 

Exactly

 

So you refuse to acknowledge the fact that you could be seriously injured as a result of someone else's negligence.
"I'm good enough so I'm immune."
Is that it?
Sure enough you have little or no defence against the errant actions of others, but to refuse to acknowledge the risk is foolhardy to say the least.
The point I was making is that, were you to be seriously injured or even killed as a direct result of somebody else's negligence, would you or your dependants pursue a court action for compensation? If so therein lies the requirement for insurance.

 

Just so we're clear, how do you feel about caterham drivers?

 

No I'm not immune at all , and have had injuries sustained caused by what you say someone else's negligence ( still have the injuries today ) 15 odd years later
And it cost me income and also during the winter months causes pain

I could run around crying about it , but I chose to do what I did , I could say the other person was negligent , by the fact he braked too late and had no hope of stopping , but hey if I wasn't there and in front by a greater distance it wouldn't have happened
And if a fatality happened I wouldn't wish any dependents to Persue court action because the fact ( a) I chose to be there (b) the burden of guilt would rest on the other persons shoulder hard enough without court action ( c) life or serious Injury cover was or should be in place to provide ( on a personal level not just track related )
Accidents happen , accidents happen in all hobby,s , trades , everyday life
And I don't subscribe to the new culture of seeking to apportion blame in every single thing that happens ,
If you don't want to risk your car , don't do it
If you don't want to risk injury or death , don't do it
If you don't want the burden of injuring some one else , don't do it

 

All this talk of protecting yourself in the event of injury or death or injuring someone else is irrelevant as track day insurance covers your own car only. It's dangerous & insurance companies don't like high risk, that's how they make so much money.

 

Yes we know that , but the issue is that in the event of an accident on track the companies are or will be chasing the person deemed to have caused the accident in order to recoup there costs

 

This....

I think some people are a little confused in how TD insurance works.....Even if the guy who was sued by the insurance company had his own Insurance, that would of only paid out on his own car, the other guys Insurance company would of still pursued him through the courts...so basically, TD insurance is only worth taking out to protect your own investment..

 

I wouldn't welcome anyone who's insured on track with me
What if the scenario is a mechanical failure , blow up or dropped oil , and Some cabbage spins has a bump then puts the claim in for his car ,,,, as if the day wouldn't be bad enough you'd be sat waiting at home for the blame and claim vultures to come knocking

No thanks I'd rather man up , take my losses there and then and walk away

 

Completely correct

 

As 53 says, Motorsport is dangerous. Nobody is forcing you to go on track, so it's completely at your own risk.

If someone is driving like an idiot, enough to cause an accident or injury, they should be getting black flagged and sent home by the Marshall's before any incident happens.

 

Exatly & this is the point I'm trying to make, even if you are insured insurance companies can come after you to recover their losses if you have a smash & damage someone else's car. Totally unfair & means the insurance is almost pointless.

 

Totally agree, the insurance should be banned as we all know the risks.

 

its not pointless it works in the same way as pretty much any competition derived insurance i have come across in that it is take out for the protection of your own vehicle ONLY................

there is no other type AFAIK for trackday/competition purpose

 

Honestly?

So when the guy on here spent £60 for track cover and wrote off his Spec C, getting fully paid out for it, you think he shouldn't have been able to get that track cover, and shouldn't have got a penny for it?