Standard road car insurance policies exclude track use entirely — the moment you roll your car onto a circuit, every pound of cover disappears. Track day insurance is a specialist product that reinstates that protection. According to the Association of British Insurers, around 250,000 track days take place in the UK each year, yet fewer than 30% of participants hold dedicated track cover.
What Does Track Day Car Insurance Cover?
A quality track day policy covers accidental damage to your own car, liability to other participants (up to £5 million is standard), and in some cases, personal accident and medical expenses. Crucially, it covers you during timed sessions and free practice — the times your road policy is void.
Key inclusions to look for:
- Own damage cover (fire, theft, collision on circuit)
- Third-party liability for damage to barriers, marshals’ posts, and other cars
- Salvage and recovery from the circuit
- Track day cancellation cover (some policies)
What Is Not Covered?
Track day insurance does not cover wear and tear, mechanical breakdown, tyre damage, brake fade damage, or damage caused by competing in a timed race. It is specifically for non-competitive track days. If you enter a sanctioned race or sprint, you need motorsport insurance instead.
How Much Does Track Day Insurance Cost?
Daily track day insurance typically costs £40–£200 per day depending on your car’s value, engine size, and the excess you choose. Annual multi-event policies run £300–£800 and offer better value for regular track users. Declared modifications that increase power or lower ride height can add 15–30% to the premium.
| Car Value | Typical Daily Premium | Excess (Own Damage) |
|---|---|---|
| Up to £10,000 | £45–£75 | £500–£1,000 |
| £10,000–£30,000 | £80–£130 | £1,000–£2,000 |
| £30,000–£60,000 | £130–£200 | £2,000–£5,000 |
Do You Need to Declare Your Modifications?
Yes — every modification must be declared, including roll cages, harnesses, racing seats, and engine upgrades. Undisclosed mods are the single most common reason track day claims are rejected. Most specialist insurers are comfortable with performance modifications; they simply need to know what they’re covering. Use our insurance cost estimator to see how your mods affect your premium.
Top Tips for Getting the Best Track Day Cover
- Book cover before you leave home — not at the circuit gate
- Photograph your car (360°) before every session
- Check whether your policy requires a cage for cars above a certain power level
- Consider annual multi-event policies if you attend more than 3 track days per year
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