These are all based on my personal circumstances (age, location, NCB, modifications etc etc), so will almost certainly be different for yourself, should you wish to make use of any of the numbers. All quotes are based on the car being valued at £8500 which I thought was pretty much a middle of the road figure.
First off, I called Heritage (0845 330 0660), as I have noted that some people on here either currently use them, or have done so in the past. Their quote came out at £580 with a £300 excess. I need to find out if there are any restrictions on the number of trackdays that this covers and whether it is limited to the UK or if it covers Europe as well. Also need to confirm with them whether the £300 excess covers both road and track use. Not a bad start I thought.
Next up was HIC - they were way out of the game at £737 - once I was told the amount I didn't bother listening to much of the spiel regarding T&C's, so couldn't tell you what their excess was!
I then got a couple of recommendations from people over on PH - the first was Richard Egger Insurance (0115 985 0165). They were very friendly and asked if I was a member of any clubs and knew about vx220.org and LoT and we had a bit of banter about Walshy, which was a good start. Their quote came in at £503.91 and includes 4 trackdays. These can either be all in the UK, as long as they are with approved organisers (i.e. LoT, MSV, GoldTrack, Book-a-Track etc), or you can have 3 UK days and 1 European day. The only restriction on the European day is that they won't cover Spa or the 'Ring. You can pay for further days at a cost of 0.75% of the value of the car (so in my case £63.75).
Their excess was £300 for the road and 10% of the value of the car for the track, with a minimum of £1000.
Another PH recommendation was Competition Car Insurance (0115 941 5255). I knew this name as I have used them before but had always assumed that they just did trackday-only insurance - I wasn't aware that they did 'normal' cover as well. Spoke to a very nice chap and was again asked if I was a member of any clubs. I can remember that he definitely recognised LoT but not sure about vx220.org (sorry!). Their quote was even cheaper that Richard Egger at £461.62 and also includes 4 Trackdays, on the same basis as RE. The only subtle difference here is that for the European day, it seems that any FIA approved track is excluded, not just Spa & the 'Ring. Additional cover is also available at a cost of £5 per £1000 value of car, with a minimum of £75. The road excess here is slightly less at £250 but the track excess is £2000
Both the above are for Accidental Damage only on track i.e. you only get paid for your car to be repaired. As far as I can gather this is fairly normal, as it seems that usual trackday etiquette (should you crash into, or be crashed into) is to claim off your own insurance. I stand to be corrected but I think there may have been a test case at some point where someone attempted to claim from someone else's trackday insurance but the judge threw it out as he said that trackdays were not subject to normal insurance conditions as disclaimers are usually signed etc etc. Not too sure of the details but I'm sure its on the Net somewhere!
So to summarise, even though they aren't the cheapest initially, I may well end up going with Richard Eggar - mainly due to the difference in trackday excess between them and CCI, as well as the fact that additional days are also cheaper.
I do have another number to ring but when I tried today, I got the answerphone - I'll try again another day and report back what they say.
Hopefully this may be of some help to someone at some point in the future when hunting around for insurance with trackday cover included
Edited by pincher, 16 December 2008 - 08:54 PM.
so i went with cci
