Quote:
Originally Posted by ysu
With upcoming (first) track days, we've looked around wrt insurance (in Australia)...and there seems to be few options, but mainly two types; cover the biggie, or cover little things (under $10k).
I've heard that most track day accidents are small - but I'd really like to get a feel from those who visit track days often.
What is the most usual sort of accident that can happen? How often chit hits the fan?
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We have only had 1 car to car incident in the last 6 years with NASA in my region. That puts the percentage down in the 0.01% range. Off track incidents and broken parts are much more common. I have seen a couple of cars hit walls, and I nearly put mine into the wall last Sunday, in the rain, on slicks, in the race group warmup session. Overall, the likelihood of damaging your car is extremely low. I would not invest in track day insurance. With that said, some tracks are extremely high risk with little to no runoff, traps, etc... Drive within your limits and don't do anything that will prevent you from driving the car home. Also, whether your organization requires it, have a good race shop perform a tech inspection on your car not only for safety, but to make sure the car is up to par to handle a track day. The most important items for them to check are tires and brakes.