#1: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 12:07 am ---- Hi guys probably the stupidest question ever but wondered if someone can enlighten me, I read that people don't bother ringing their insurance when going on track at fcs, surely the organisers won't let people on the track without it?! What if there's an accident with 2 cars etc, any reply from anyone who has previously been on track there would be grateful
#2: Re: FCS track time....insurance?? Author: DJ-, Location: UKPosted: Mon May 23, 2011 12:10 am ---- I think its the personal responsibility of the drivers if they crash etc. I went on track at silverstone for the TRAX show and they said insurance is up to you but advised to put tape over your numberplate incase your insurance company caught on lol
#3: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 12:17 am ---- How could your insurance company catch on? I don't think I'm too happy driving around a track surrounded by people doing 100mph+ without insurance! Might sell the track time me thinks lol
#4: Re: FCS track time....insurance?? Author: E5GDM, Location: EssexPosted: Mon May 23, 2011 12:39 am ---- I thought you had to take out track insurance at the circuit? Won't cover you smashing your car though.
#5: Re: FCS track time....insurance?? Author: DJ-, Location: UKPosted: Mon May 23, 2011 1:01 am ---- Well there's lots of pics taken so could catch on. Heck even someone named "skyinsurance" is a user on this forum and he works for the insurance company so im sure there's others around but the probability of being caught is low but its at the risk of the owner.Personally I wouldnt bother with track insurance. At the end of the day 99% of the others on track wont have it so will want to be careful with their cars too. I see your point though, can be risky indeed!
#6: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 1:33 am ---- You're not covered by your normal insurance on track anyway (read the small print).
It isn't compulsory to have insurance on track. Which is why they get you to sign an indemnity. I've never had track insurance, and doubt I ever will. If you do get insurance, you'll only get 3rd party insurance so any damage to your car will be payable by you. If you hurt / injure others, then the tracks public liability etc covers that.
You go out on track at your own risk.
#7: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 1:35 am ----
furryhobnob wrote:
How could your insurance company catch on? I don't think I'm too happy driving around a track surrounded by people doing 100mph+ without insurance! Might sell the track time me thinks lol
As long as our track sessions aren't at the same time, I might have them off you
#8: Re: FCS track time....insurance?? Author: Harry, Location: StaffordPosted: Mon May 23, 2011 2:38 am ---- Why would putting tape over your numberplate hide anything? Normal insurance doesn't cover you on the track it's nothing to do with them.
#9: Re: FCS track time....insurance?? Author: Mattie-RS, Location: A Track near you ;)Posted: Mon May 23, 2011 3:10 am ----
Harry wrote:
Why would putting tape over your numberplate hide anything? Normal insurance doesn't cover you on the track it's nothing to do with them.
so you can get towed to a ditch outside the grounds
#10: Re: FCS track time....insurance?? Author: Mattie-RS, Location: A Track near you ;)Posted: Mon May 23, 2011 3:11 am ---- on topic i aint got track insurance too, never have either
#11: Re: FCS track time....insurance?? Author: Seb, Location: Under your bedPosted: Mon May 23, 2011 3:25 am ---- I've never been out without insurance. Your normal insurer won't cover you. It cost me about £50 a day if I want to insure myself out on track.
Imo, if you go out without insurance, you're a t**t. You can't just guess how good other people may be, they will do stupid things, and actually, in my experience, people at FCS at the WORST drivers I have ever seen on track.
It's all up to you. If you just owned a s***ty banged up can and just went out for shits and giggles then fine. But I wouldn't go out without insurance on anything worth more than like £4k.
Example: A friend of mine was at rockingham (surprise!), when the car in front lost control, something flew off it, into his, caught underneath, he went into a spin and hit the sidewall and wrote off the whole front end (the car in front ground to a halt and was fine). In short, there was absolutely nothing he could have done to prevent that at all. He's 45 and has been racing for god knows how long, sometimes there are just situations where your ego won't be enough to cope with it. He had insurance, he got a £9k payout for it. He was able to get back in another car and start tracking again within 2 months.
It's the same concept as driving with undeclared mods - if you can't afford the premium, don't fecking do it, pikeys!
#12: Re: FCS track time....insurance?? Author: Brian, Location: VVT Land, FifePosted: Mon May 23, 2011 4:00 am ---- got to agree with seb here, it's just not worth not paying it. Hence, i've never been on track at FCS.
#13: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 4:03 am ----
Seb wrote:
I've never been out without insurance. Your normal insurer won't cover you. It cost me about £50 a day if I want to insure myself out on track.
Imo, if you go out without insurance, you're a t**t. You can't just guess how good other people may be, they will do stupid things, and actually, in my experience, people at FCS at the WORST drivers I have ever seen on track.
It's all up to you. If you just owned a s***ty banged up can and just went out for shits and giggles then fine. But I wouldn't go out without insurance on anything worth more than like £4k.
Example: A friend of mine was at rockingham (surprise!), when the car in front lost control, something flew off it, into his, caught underneath, he went into a spin and hit the sidewall and wrote off the whole front end (the car in front ground to a halt and was fine). In short, there was absolutely nothing he could have done to prevent that at all. He's 45 and has been racing for god knows how long, sometimes there are just situations where your ego won't be enough to cope with it. He had insurance, he got a £9k payout for it. He was able to get back in another car and start tracking again within 2 months.
It's the same concept as driving with undeclared mods - if you can't afford the premium, don't fecking do it, pikeys!
What the hell was dislodged? The Engine? I quite like Rockingham, its an easy track and there's no need to tail anyone on it really.
Alternatively, have a second car as a runaround and take your track car to the track, so if it does get bent (like Seb) you can enjoy repairing it at your leisure
#14: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 6:18 am ---- I'm thinking of eventually tracking my car but unfortunately got other priorities at the min, getting married haha, out of interest who do use for insurance seb at £50? I think I'm definitely swaying towards selling now because all it takes is 1 silly driver and bang no car, gutting really as I was looking forward to it
#15: Re: FCS track time....insurance?? Author: MissGTi180, Location: IpswichPosted: Mon May 23, 2011 6:23 am ---- Just use the road as a track I do. Insured then haha.
#16: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 6:28 am ---- Lol missgti180, when I'm driving to work on the lanes at 5am the roads are virtually empty, and my right foot does get a little heavy
But doing it on track is a different ball game, hitting the apex and powering out of a corner and finding the right braking point is a fine art lol
#17: Re: FCS track time....insurance?? Author: MissGTi180, Location: IpswichPosted: Mon May 23, 2011 6:33 am ---- Yeah I can do all that on the roads. Live in the country plenty of s bends to screech round lol
#18: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 6:45 am ---- Lol it's not the same hun trust me, gotta love country roads though
#19: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 7:04 am ---- I think you're panicking over nothing in all honesty. I've been doing track days for more than 5 years and as long as you let the Track-Hero's carry on and don't get baited, or become one yourself, then you'll be ok. The trick is to let the idiots carry on being the idiots. Usually they think that being overtaken is an insult to their manhood (the briefer at Rockingham will use those exact words ). Just let them carry on and go round them when they've met the kitty litter.
I've had people spin off in front of me, others have slid past as they've run out of talent, along with the odd breakdown that happens. As long as you keep your wits about you and keep an eye of everything going on around you, the probability of a smash isn't as great as you think. Most people are out there in their pride and joy and a smash is the last thing on the agenda. Those that have less care should be let to just carry on, when I'm out there I'm against myself, improving lines on corners, reducing squeal and increasing control, drive 9/10ths and leave the little extra for when an idiot is in the vicinity, it's not a competition with anyone else out there. I'll be taking passengers again this year and their safety comes above trying to out-drive someone else.
#20: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:09 am ---- Nicely said ape, and thanks mate
#21: Re: FCS track time....insurance?? Author: Jay794, Location: Sheffield/Chesterfield/DronfieldPosted: Mon May 23, 2011 7:26 am ---- My girlfriend was telling me about her insurance the other day, apparently her insurance says that if she takes her car on a track the insurance is completely invalid, which means you have to pay for everything yourself.
hence why you can get track insurance as a separate thing.
I doubt if any insurance companies cover you on a track as standard
#22: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 7:27 am ---- Rockinghams a cracking beginners track, nice mix of straights and reasonable bends, just the 1 chicane at the far end and a nice sector of the Oval to use too. Camber's not too bad on most of them either, the off camber ones are good fun when the back steps out mind
Just go out there, at your own pace, let the faster ones through and just enjoy yourself dude. If you see a Silver & Red SEAT approaching, you know what to do
#23: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:29 am ---- I know most insurers don't cover you as standard Jay, my point being really is I can't believe they will let you on the track doing whatever speeds without insurance, I'm waiting on sebs reply about getting insurance for the £50, if I do take that out though I might up my track time from a 15min session to something longer Last edited by furryhobnob on Mon May 23, 2011 7:36 am; edited 2 times in total
#24: Re: FCS track time....insurance?? Author: Abzynthe, Posted: Mon May 23, 2011 7:30 am ----
Ape wrote:
Rockinghams a cracking beginners track, nice mix of straights and reasonable bends, just the 1 chicane at the far end and a nice sector of the Oval to use too. Camber's not too bad on most of them either, the off camber ones are good fun when the back steps out mind
I'll vouch for that. I've never been on a track before and I went round Rockingham in an R8 on that racing experience day thing they do. It was mega fun and the corners werent too difficult.
I only did the small track mind, but its still not a hard track to drive
#25: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:31 am ---- Haha if I see you approaching I'll politely move out the way lol I'm not sure what time I'm on track, waiting on my ticket to come through, is it you that's taking the delta?
#26: Re: FCS track time....insurance?? Author: Abzynthe, Posted: Mon May 23, 2011 7:32 am ----
furryhobnob wrote:
Haha if I see you approaching I'll politely move out the way lol I'm not sure what time I'm on track, waiting on my ticket to come through, is it you that's taking the delta?
Thats macj I think
#27: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:33 am ---- I have drove round a track in a gallardo before, some airfield they had converted, and I've watched a few YouTube vids of the fcs track and it doesn't look too bad, the oval bit looks fun, what speeds were you hitting mate?
#28: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:34 am ---- The delta looks immense, there's a guy up the road from me with one, wonder if he will let me borrow it
#29: Re: FCS track time....insurance?? Author: Jay794, Location: Sheffield/Chesterfield/DronfieldPosted: Mon May 23, 2011 7:38 am ----
furryhobnob wrote:
I know most insurers don't cover you as standard Jay, my point being really is I can't believe they will let you on the track doing whatever speeds without insurance, I'm waiting on sebs reply about getting insurance for the for £50, if I do take that out though I might up my track time from a 15min session to something longer
Why is that surprising? if you crash and wreck your 206 it's the drivers fault, if you happen to hit a Porsche then you better have a lottery win coming your way. All it means is that if you crash without insurance then the insurance company will be laughing at you
#30: Re: FCS track time....insurance?? Author: Abzynthe, Posted: Mon May 23, 2011 7:39 am ----
furryhobnob wrote:
I have drove round a track in a gallardo before, some airfield they had converted, and I've watched a few YouTube vids of the fcs track and it doesn't look too bad, the oval bit looks fun, what speeds were you hitting mate?
My top speed was only 108mph, it was just after the hair pin bit behind the pit area. My instructor was telling me when to brake and he kept telling me to keep my foot down till I was a quarter way round the next corner. If i was in my car i think id have gone off lol, although my car probably cant do 108 without exploding lol.
#31: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:43 am ---- That's exactly why I think it's suprising, all it takes is a nail or something to hit your tyre, you spin out and write 3 cars off in the process, mistakes and accidents happen so I find it suprising they let you drive around the track with that risk, I suppose everyone's in the same boat so if you crash you foot the bill to repair your car, what happens if someone goes into the back of you and it's no fault of your own, does the driver who hit me pay for damage?
#32: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:44 am ----
Abzynthe wrote:
furryhobnob wrote:
I have drove round a track in a gallardo before, some airfield they had converted, and I've watched a few YouTube vids of the fcs track and it doesn't look too bad, the oval bit looks fun, what speeds were you hitting mate?
My top speed was only 108mph, it was just after the hair pin bit behind the pit area. My instructor was telling me when to brake and he kept telling me to keep my foot down till I was a quarter way round the next corner. If i was in my car i think id have gone off lol, although my car probably cant do 108 without exploding lol.
Who's car were you in then? And I never knew you had instructors in the car with you
#33: Re: FCS track time....insurance?? Author: usher, Location: northallertonPosted: Mon May 23, 2011 7:47 am ----
MissGTi180 wrote:
Just use the road as a track I do. Insured then haha.
and seb says the ideots are on the track
my exp on rockingham has been good people stick to the rules and dont go silly
never been insured on the track and as ape says probbably never will
personal preferance at the end of the day but dont let it put you off going round the track
#34: Re: FCS track time....insurance?? Author: Abzynthe, Posted: Mon May 23, 2011 7:47 am ---- I was using the track day organisers R8.
You dont have instructors in your car at things like FCS though.
#35: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:48 am ---- Cheers usher, I think I'll make my mind up on the day, I'll watch a few of the early sessions and make my mind up
#36: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 7:50 am ----
Abzynthe wrote:
I was using the track day organisers R8.
You dont have instructors in your car at things like FCS though.
Oh right I understand now, I had 160mph in the gallardo, only managed to get it in 6th gear a handful of times, was immense fun though
#37: Re: FCS track time....insurance?? Author: Seb, Location: Under your bedPosted: Mon May 23, 2011 7:59 am ---- The only thing I will say is that it's very important to have your car ready and properly prepared before the day.
Make sure oil, coolant, tyres, brakes, brake fluid and setup are all checked.
Taking spare oil and coolant with you is a good idea as well.
#38: Re: FCS track time....insurance?? Author: Addaz, Location: SuffolkPosted: Mon May 23, 2011 8:03 am ---- I dont have insurance when on trackdays, as the cars i use arent really worth that much
Gti - £500
205 gravel car - £3k (but parts are cheap, admittedly not mine but i use it)
And they are not my road cars, so it does not truely matter if i stuff the gti
#39: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 8:06 am ---- Cheers seb I keep on top of things anyway so oil, coolant and tyre pressures are checked weekly
#40: Re: FCS track time....insurance?? Author: Seb, Location: Under your bedPosted: Mon May 23, 2011 8:06 am ----
furryhobnob wrote:
Cheers seb I keep on top of things anyway so oil, coolant and tyre pressures are checked weekly
That's alright then because the one thing going on track will do is show up a lot of the uncared for cars.
#41: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 8:07 am ---- I know what you mean addaz my car isn't worth that much but 2k is 2k lol
#42: Re: FCS track time....insurance?? Author: Ape, Location: Clipping the Apex!Posted: Mon May 23, 2011 8:09 am ---- Nail on the track? The track isn't the M1 dude Tracks are generally much cleaner than the roads (save for rubber marbles). It's nice having no manhole covers, catseyes or oncoming traffic too
I can't remember what the top speed I got on track was, I'll have a look this time round though, should imagine close to 140mph or more I've hit 160mph so far in it (Clocks only go up to that), didn't have the space to push harder although I don't think much more could've been gained.
#43: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 8:10 am ---- Well my stepdad is a master tech for Peugeot so while the car was sorned I had him replace everything that needed doing, just a really thorough service really, new discs and pads all round, new seals in places it needed them, and it flew through the mot with a couple of minor pointers, one was a rogue bolt had wedged itself in the seat runners, I never noticed it as my seat is quite far back normally, so hopefully the car should withstand a 15min thraping lol
#44: Re: FCS track time....insurance?? Author: furryhobnob, Location: NuneatonPosted: Mon May 23, 2011 8:12 am ---- Haha ape I know it's not the m1 I was just speaking hypothetically, I'm not saying I'm gonna be nail dodging while on track
My point was accidents and mistakes happen
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I quite like Rockingham, its an easy track and there's no need to tail anyone on it really.
