Pay a higher excess
The higher the excess you choose to pay, the lower your premiums tend to be
What is track day insurance?
Track day insurance is a specialist policy which covers you for accidental damage to your car if you drive it at a race track.
This type of policy takes into account that you’ll be doing high-speed driving and risk crashing into other cars, tyre walls or barriers, which could cause serious damage to your car.
It’s a good idea to get a quote for driving on race circuits for track events or if you have modified car insurance, check with your existing provider whether it can be added to your policy.
Do I need insurance for a track day?
There is no legal requirement to have track day insurance but if you’re planning to drive your car at a race circuit it’s sensible to have specialist cover because:
Your standard insurance is unlikely to cover you at a track even if you have fully comprehensive cover
Track owners aren’t responsible for damage to your car
The event organisers might require you to have it
A high speed crash could cause significant damage
What's the difference between track day insurance and car insurance?
Track day insurance | Standard car insurance |
|---|---|
Covers driving at a race circuit | Covers you to drive on public roads |
Covers accidental damage to your car at the track | Covers accidental damage to your car on public roads if you have comprehensive insurance |
Doesn’t include damage to third parties | Includes damage to third parties |
You can choose the value you want to insure | Covers the full value of your car |
Doesn’t impact your no claims bonus as it’s a separate policy | You can build up a no claims bonus |
What does track day insurance cover?
The level of cover provided by track day insurance policies varies, so check what is included before taking out a policy.
A specialist track day insurance policy will likely include and exclude the following:
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Covered
Damaged caused by hitting the track barriers
Another participant collides with your car
Damage caused to the car as a result of a mechanical breakdown
Fire damage following an impact at the track
-
Not covered
Damage to a third party
Competitive driving, including racing and time trials
Driving on public roads
Mechanical failure to your car’s engine and/or gearbox
Cosmetic damage
Recovery of an undrivable vehicle if it is outside the UK and Europe
Fire damage not caused by an incident at the track
Use by someone not named on the policy
Will my race car be covered on the road?
No, track day insurance does not cover you for driving on public roads. However, it may be possible to cover journeys to and from track day circuits or you can add-on transportation cover.
How much does track day insurance cost?
The cost of track day insurance depends on a number of factors, including:
Your car’s value
The voluntary excess
Your age
Previous track day claims experience
The specific circuit
Whether you want cover for a single day or multiple track days
What upgrades can I add on to my track day insurance?
Common add-ons to track day insurance include:
Competitive driving (race insurance)
Transportation and storage
Vehicle recovery
Personal accident cover
Multiple events
How can I get cheaper track day insurance?
Here are a few steps you can take to reduce the cost of your track day insurance policy:
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-
Get more experience
Many track day car insurance providers offer discounts for experienced track day participants, as there is less risk
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Choose safer tracks
Some insurers will offer cheaper track day cover on tracks with larger ‘run-off’ areas
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Choose multi-day cover
If you're visiting the track regularly, it may be cheaper to get an annual or multi-day policy instead of several single-day cover
Our expert says…
A track day should be a great experience but it won’t be if you end up with an expensive repair bill that isn’t covered by your insurance. Track day insurance may only cover your car for accident damage and not any personal injuries so check what is included and consider adding personal accident cover. There may also be an age restriction and you should check whether certain racing circuits are excluded.
Sarah Tooze Car & Van Insurance Expert
Get a quote for track day insurance
Find specialist car insurance cover for your next track day
What if I drive on the track with just my standard car insurance policy?
Your standard car insurance policy won’t cover you for any accidents on the track.
While it isn’t compulsory to take out track day insurance, there are many risks involved with driving on the racetrack. Regardless of how experienced you are on the track, you can’t have the same confidence in other drivers as you do yourself.
What if my track car has modifications?
While you can still get track day cover with a modified vehicle, the cost of your policy and sometimes the terms of your cover will be different. You should always tell your insurer of any modifications. If you don't, you risk invalidating your insurance and having any claims denied.
Can other drivers be added to my track day insurance?
Yes, you can add another driver to your track day insurance. Doing so will add to the cost of your policy and new premiums will be calculated based on their information as well as yours.
Are there policies covering multiple track events and locations?
Yes, track day insurance providers typically offer discounts for multiple track events. Policies can cover a set number of track days or a whole race season at different locations.
What happens if I crash on a track day?
If you have standard car insurance you’re unlikely to be covered if you crash on a track day. But if you take out track day insurance the cost of any damage to your vehicle should be covered.
💡 Top tip: Check whether your policy includes personal injury cover as standard and consider adding it if it does not.
Do you need a driving licence for a track day?
Yes, you need a driving licence for a track day and should take it with you to the circuit.
The exception is if you’re taking part in a junior driving experience. Junior driving events typically cater for children aged from 10 to 16 and there is usually a minimum height restriction.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Does MoneySuperMarket work with all the track day providers on the market?
No, because track day insurance is a niche product we only offer customers the option to get a quote with our partner Grove & Dean.
Is track day insurance eligible for SuperSaveClub and rewards?
No, at this time track day insurance is not an eligible product for unlocking our SuperSaveClub rewards.
It is also not included in our Price Promise.
Reviewed on 10 Dec 2025 by
