Taking your car on a track day is one of the most exciting motoring experiences available to UK drivers. Whether you are pushing your own car to its limits, hiring a track-day car, or competing in a timed session, the specialised environment of a race circuit creates risks that standard road insurance simply does not cover. In 2026, here is everything you need to know about track day insurance.
Does Standard Car Insurance Cover Track Days?
In almost every case, no. Standard comprehensive car insurance policies specifically exclude cover for driving on a race track, motorsport circuit or speed-testing venue. This is a standard exclusion in virtually every UK motor insurance policy. Driving on a track without specific track day cover means you are entirely uninsured for damage to your own vehicle and have severely restricted liability cover for damage to others.
The risks insurers exclude on track days are straightforward: circuits are designed for high-speed driving in ways that public roads are not, multiple cars are on track simultaneously, drivers of varying experience levels share the same circuit, and the competitive environment — even in non-timed sessions — encourages pushing limits.
What Track Day Insurance Covers
Track day insurance policies are specifically designed for circuit driving and typically cover:
- Own vehicle damage: Damage to your own car during the track day — collisions, off-track excursions, mechanical failures from track use
- Third party liability: Damage you cause to other vehicles, the circuit infrastructure or injury to other people
- Fire and theft: Damage by fire or theft while the car is at the circuit
- Recovery and transport: Getting the car home if it is damaged beyond driveable
The exact cover varies by provider and policy type. Some policies cover all incidents, while others exclude certain types of damage or apply excesses to specific scenarios.
Types of Track Day Insurance
Daily Track Day Insurance
The most common product. You purchase cover for a specific day at a specific circuit. Coverage typically runs from midnight to midnight on the chosen date. Daily track day insurance costs vary significantly:
- Standard performance cars: GBP 50 to GBP 150 for single-day cover
- High-performance vehicles: GBP 150 to GBP 500 for single-day cover
- Exotic and specialist vehicles: GBP 300 to GBP 1,000+ for single-day cover
Annual Track Day Insurance
For regular track day enthusiasts, annual policies cover unlimited track days over a 12-month period. These are more cost-effective for drivers who do 4 or more track days per year. Annual policies typically cost GBP 500 to GBP 2,000 depending on the vehicle and coverage level.
Exclusions and Limitations
Track day insurance policies commonly exclude:
- Competition: Timed laps, racing and competitive events are often excluded or require a higher-premium policy
- Deliberate damage: Damage caused intentionally is never covered
- Known mechanical faults: Damage resulting from pre-existing mechanical issues is excluded
- Off-circuit damage: Damage occurring outside the marked circuit boundary
- Wear and tear: Normal wear and tear from track use — tyre wear, brake pad wear, clutch wear — is not covered
- Track day events without recognised governing body: Some insurers require the event to be run by a recognised motorsport organisation
Providers of Track Day Insurance in 2026
- REiN Car Insurance: Specialises in performance and track day cover with competitive daily rates
- Carrot Insurance: Offers specialist performance car cover including track day use
- Adrian Flux: Performance car specialist with track day add-on options
- Sky Insurance: Specialist performance and track day cover
- Motorsport UK-registered events: Some track day events include third-party liability insurance in the entry fee — check before buying additional cover
Circuit Requirements for Track Days
Different circuits have different requirements and insurance policies must meet certain criteria:
- Most circuits require a minimum of third-party liability insurance
- Some premium circuits require higher liability limits than standard policies provide
- HPDE (High Performance Driving Education) events run by recognised driving organisations often include comprehensive insurance in the entry fee
- Full circuit rental events — where you book the whole track — typically require you to arrange your own insurance
Before You Buy Track Day Insurance
- Check what is included in your track day entry fee — some events include third-party cover
- Get quotes from at least 2 specialist providers
- Check the policy excess — track day policies often have higher excesses than standard insurance
- Verify the circuit is covered — some policies exclude certain circuits
- Check whether timed or competitive sessions are covered
- Understand the claims process — some policies require you to pay and claim back