As one of the biggest arrangers of insurance cover for classic, sports and supercars, it will come as no surprise that Lockton is frequently asked about cover when people want to drive their cars on a motor racing circuit or similar facility.

We've written about this before, and we wanted to provide an update on how our policies provide protection when you take to the track.

If your track day is in the UK and organised by your club, then the policyholder only is covered automatically subject to policy terms and conditions. This includes an increased excess and limitation on the amount that will be paid out. There is no additional charge for these events.  If additional drivers are required, please get in touch prior to the event and this scenario must be referred to the underwriters for agreement.

Where the track day is being organised by someone other than your club, then this is NOT covered automatically, and you'll need to speak to us in advance. We'll need to refer the event to insurers so that they can consider providing cover. A charge will be made for cover for these events, and they may also have a higher excess and value limitation.

It is worth noting that the charge we make is likely to be significantly less than purchasing standalone track day cover via one of the motorsport insurance specialists. 

Events at non-UK circuits and Hill Climbs cannot usually be insured under the policy. We can refer to insurers for individual requests for cover.

Parade laps can be covered without charge, but we will need to know in advance and whilst most can be agreed, we are unable to provide blanket cover.

We have asked our partner clubs to confirm their 2024 calendars so that we can review every event to avoid any confusion, as some events are just facilitated by the club and not ultimately organised by them, so it is easier if we confirm on a case-by-case basis. 

If the event/trip includes parade laps we will get these agreed in advance.

Competitive use of any sort is not insured by the policy. We do have access to motorsport insurance specialists if you are racing in any capacity and separate cover can be arranged at additional cost.

2023 has been a busy year for car enthusiasts and we want to make sure that you can continue to enjoy your car, both on the road and track.

If you are in any doubt as to whether an event is covered, please talk to us for further guidance.