as355f1

http://mobile.pistonheads.com/gassing/topic.asp?h=0&f=18&t=1332239&mid=0&nmt=Claim+from+ a+track+day

Glenn_

iTrader: (1)

Link not working.

as355f1

Works fine for me mate

Spax

Try that - http://mobile.pistonheads.com/gassin...om+a+track+day

SBT83

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

stevieturbo

Sure what would you expect from an insurance company.

rs clint

its idiots like this that spoil things and all the prats making claims insurance is high enough now

SBT83

True!!

gingerturbo

iTrader: (2)

What a joke, as said you should sign a waver to agree that any damage on track is an unfortunate accident and to swallow it

BigChuck

why is it the guys fault, he took out insurance to cover himself, why wouldn't he claim on it if he's down £20k? especially if it was no fault of his own.

SBT83

To be fair, if it's down to insurance then the lads insurance would pay the 20k bill??

rs clint

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

BigChuck

which as i read it is whats happened?

the guys insurance paid out, then the insurance company is chasing the other guy to get the cash back.

SBT83

Then this could happen to anyone who is covered by insurance. A waiver would be the best way to go

BigChuck

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.

rs clint

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

SBT83

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

rs clint

thought that would be the case sign waver you k now the rules crack on

SBT83

yeah, I don't know the ins and outs of it all but you know what they say, "where there's a blame there's a claim"

BigChuck

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

rs clint

does sound like it either way it doesn't bode well especially for future track day events

SBT83

Agreed. There's not much more that could be done with the way things are. It really needs a regulatory body to mediate the grey areas on the legal side for everybody's protection. The way it is, it's just Insurers chasing the blame. At least a mediator could stand the ground and show the insurers what's what, court waivers that stand up and us enthusiasts what cover and stuff to help protect us.

But with a regulatory body comes tougher regulations and legalities so it's catch 22.

ajamesc

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!

SBT83

Ok but what if you hit somebody, their insurance paid out to them and came chasing you?
That's what we are saying, everybody should have cover to protect themselves before they are let out on track

Madgit

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.

ajamesc

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!

rs clint

am I wrong but do they not ask you the question do you use your vehicle for motor sport if stated you would of had to take out special insurance and would be covered but if you didn't surely insurance would be void and they wouldn't of paid out

The Underdog

iv been following this on pistonheads the last few days. is a bit worrying.

Madgit

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.

STeve

iTrader: (11)

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

SBT83

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??

Glenn_

iTrader: (1)

How much is track day cover normaly?

SBT83

I thought it was around the £50 mark the last I knew

luke19790_3

I swapped company's this year and my new one covers a number off track days. Insurance was still cheaper than the old one.

Excess for the track days is a bit tho

studabear

I presume insurance is the reason so many cars at ford fair on track had the plates removed./covered??

stevieturbo

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.

stevieturbo

That's probably so the AA or RAC dont see photos of them on track and not come to get them when they break down lol

GVK.

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.

SBT83

And this is exactly the point why I mentioned a regulatory body to be involved and set legal rules that can protect people like the lad in question. The situation is a difficult one to be in and to be slapped with a £20+k law suit for some bloke on a forum to say he needs to counter claim off of ???? Would benefit from said bodys backing in black and white.

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

Madgit

Sorry to quote yours Steve but maybe it will stand out more than others.

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.