UK track day participation has grown by 34% since 2019 according to MotorsportUK data, yet a significant proportion of participants arrive at circuit without specific track day insurance. Your road policy excludes all circuit use — even manufacturer-organised track experiences. This guide explains UK track day insurance in full, including what it covers, what it costs, and which providers offer the best value for modified cars.
How UK Track Day Insurance Works
UK track day insurance is a standalone product, separate from your road policy. You purchase it for a specific circuit day (or an annual period), and it activates the moment you drive onto the circuit. It covers:
- Own vehicle damage during sessions
- Third-party liability (typically £5–£25 million)
- Fire and explosion cover
- Personal accident and medical expenses (some policies)
- Track day cancellation (some annual policies)
Major UK Track Day Insurers
- Reis Motorsport Insurance — one of the UK’s most recognised track day specialists
- Adrian Flux — daily and annual track day policies with broad modification acceptance
- AIB Insurance — competitive premiums, particularly for higher-value track cars
- MotorsportUK affiliated brokers — for licensed competitors
- Insurance Factory — annual multi-event policies with flexible excess options
Cost of Track Day Insurance in the UK
| Policy Type | Car Value | Typical Cost |
|---|---|---|
| Daily (single event) | Up to £15,000 | £45–£75 |
| Daily (single event) | £15,000–£40,000 | £90–£150 |
| Annual (unlimited events) | Up to £20,000 | £300–£450 |
| Annual (unlimited events) | £20,000–£50,000 | £500–£900 |
For cars with significant performance modifications, add approximately 15–30% to these estimates.
What Track Day Insurance Does NOT Cover
- Mechanical failure (blown engine, broken gearbox)
- Tyre wear or blow-outs (unless caused by collision)
- Brake wear or fade damage
- Damage to your car caused by a spinning wheel or stone chip (unless during a collision)
- Competitive racing (track day policies cover non-competitive use only)
Tips for UK Track Day Insurance
- Buy before you arrive — purchasing at the circuit gate is usually more expensive
- Photograph your car comprehensively before the first session
- Check whether your policy requires a HANS device for cars with certain power levels
- If you attend more than 3 track days per year, annual policies almost always offer better value
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