Bad news for track days
#1
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http://mobile.pistonheads.com/gassing/topic.asp?h=0&f=18&t=1332239&mid=0&nmt=Claim+from+ a+track+day
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#5
Not Crazy, just Unwell
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Works good for me!
It's shit that this happens on trackdays! A waiver should be signed by all before hand. It's rubbish if it's your motor that's damaged but it saves getting sued for thousands at the same time. You enter the track knowing the dangers so this shouldn't have happened IMO
It's shit that this happens on trackdays! A waiver should be signed by all before hand. It's rubbish if it's your motor that's damaged but it saves getting sued for thousands at the same time. You enter the track knowing the dangers so this shouldn't have happened IMO
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#10
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#11
Not Crazy, just Unwell
#12
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he knew the risk before he went out there wonder what he would do if boot was on other foot and surely you have to sign a form before you go on track
#13
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#14
Not Crazy, just Unwell
#15
Advanced PassionFord User
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he knew the risk, thats probably why took insurance out.
depending on wht cover he had, he probably wouldn't bother too much, if he caused £20k worth of damage his insurance is there to cover it.
#16
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don't know much about it legal side of thing's but surely insurance cant claim money back of chap or is it injury claim hes going for
#17
Not Crazy, just Unwell
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Either way if they are both insured to be on track this shouldn't happen. And like I've said a waiver before hand should be implemented by all is the only other way
#18
#19
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#20
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i bet most waivers just now are simply to cover the organisers/owner of the track rather than the participants liability to each other. and i'm guessing by this case the one they signed didn't stand in court
#21
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does sound like it either way it doesn't bode well especially for future track day events
#22
Not Crazy, just Unwell
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But with a regulatory body comes tougher regulations and legalities so it's catch 22.
#23
cossie fan (unluckerly)
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If my car was insured for track day use and some one hit me I'd be claiming with out doubt!
No way if be walking away saying o well! A lot of modded car policy's let you do track days it should be that your not aloud out with out proper insurance!
No way if be walking away saying o well! A lot of modded car policy's let you do track days it should be that your not aloud out with out proper insurance!
Last edited by ajamesc; 22-09-2013 at 12:32 PM.
#24
Not Crazy, just Unwell
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That's what we are saying, everybody should have cover to protect themselves before they are let out on track
#25
Works and plays on track
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Most people are missing the point with this on all the forums. You could have taken out TD insurance but in this instance, it would be no use. The insurance company have separately done him for negligence. It's not the driver at all. The insurance company hasn't signed any waiver and they're getting their money back through a loophole.
#26
cossie fan (unluckerly)
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It's expected really insurance company's are cunts but there going to won't to get there money back! Surly if the guy who hit you had track day insurance his insurance would pay out then your company wouldn't have to. And then have to go chasing for there money. It is shit but I guess it's the way it's going some people use some really expensive cars on track you would have to safe guard yourself!
Last edited by ajamesc; 22-09-2013 at 12:41 PM.
#27
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Most people are missing the point with this on all the forums. You could have taken out TD insurance but in this instance, it would be no use. The insurance company have separately done him for negligence. It's not the driver at all. The insurance company hasn't signed any waiver and they're getting their money back through a loophole.
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#29
Works and plays on track
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A few road policies have track day cover under various conditions e.g. Separate cover for £45 per day or the like or some have a few days per year included I believe. I was talking about separate Track day cover that is available. Either way I'm sure these wouldn't cover this case. Track day cover only covers damage to your own car. Somehow this lad has been found negligent.
#30
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regulars to track days know all the pitfalls hence why taking out track day cover is a must but most risk it and cry once they are caught out, so failing to obtain cover leaves the way open for this type of case
#31
Not Crazy, just Unwell
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Personally I would purchase the best cover I could like most and also take out the legal cover that is offered too. Well it is on road insurance anyway. But I think it covers the policy holder and not the vehicle, so could cover yourself that way maybe??
#36
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Most of you are missing the point here.
It seems that most trackday cover only covers damage to your own car. So if you crash into someone, you'd still be screwed unless you had 3rd party cover on top.
No doubt a lot comes down to the criminals using so much small print and not detailing what you are covered for in well explained policies, that you pay your money and really dont have a clue what you are covered for in the first place.
What the guy who is getting sued needs to do now, is counter sue either the organisers of the event, or anyone else he deemed caused the crash....and it becomes a never ending situation.
It seems that most trackday cover only covers damage to your own car. So if you crash into someone, you'd still be screwed unless you had 3rd party cover on top.
No doubt a lot comes down to the criminals using so much small print and not detailing what you are covered for in well explained policies, that you pay your money and really dont have a clue what you are covered for in the first place.
What the guy who is getting sued needs to do now, is counter sue either the organisers of the event, or anyone else he deemed caused the crash....and it becomes a never ending situation.
#37
#38
PassionFord Post Whore!!
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Yeh, that would be it.
This type of situation is why you struggle to get a UK car insured for the Tourist driving on the Nurburgring.
This type of situation is why you struggle to get a UK car insured for the Tourist driving on the Nurburgring.
Last edited by GVK.; 22-09-2013 at 04:56 PM.
#39
Not Crazy, just Unwell
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Obviously this isn't going to happen and you are right he is basically fucked for the money. All he can hope is a judge takes pity on him
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#40
Works and plays on track
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No insurance would have covered this issue.
Plus if you look into most Trackday policies, there is a very big excess so plenty of people don't bother with it.