278 replies to this topic

[MartinS]

Unlimited track days if your an existing customer apparently.

 

[gaffer1986]

Regarding track days. When talking to Matt before taking the policy out, he told me 6 TDs as long as the TDO's were on the approved list. When the docs came through it quite clearly said 5. I queried it with Matt and he said no it's 6 and I said that's not what the policy docs say. So what if I have a prang on track day no.6? You'll be alright he said. He went on to say that the insurer never seems to check how many TDs youve had and so you could have more! Needless to say I have none of this in writing. Should I have need of a 6th track day then I will be wanting something from the insurer to say I'm covered, not a nod and a wink from Matt. So Gaffer I suggest you read your policy docs to confirm you have unlimited TD's, and if you have why haven't I???

 

I've got an email from Matt saying it's unlimited even though the docs say 6. I'm going to take that as confirmation and I would use that if anything went wrong. Not sure why he hasn't offered unlimited to you? I would ask him.

[Sutol]

 

Regarding track days. When talking to Matt before taking the policy out, he told me 6 TDs as long as the TDO's were on the approved list. When the docs came through it quite clearly said 5. I queried it with Matt and he said no it's 6 and I said that's not what the policy docs say. So what if I have a prang on track day no.6? You'll be alright he said. He went on to say that the insurer never seems to check how many TDs youve had and so you could have more! Needless to say I have none of this in writing. Should I have need of a 6th track day then I will be wanting something from the insurer to say I'm covered, not a nod and a wink from Matt. So Gaffer I suggest you read your policy docs to confirm you have unlimited TD's, and if you have why haven't I???

 

I've got an email from Matt saying it's unlimited even though the docs say 6. I'm going to take that as confirmation and I would use that if anything went wrong. Not sure why he hasn't offered unlimited to you? I would ask him.

 

Matt is your agent, he's not the one who's going to be paying out if you have a claim. His email is worthless unless you are suing him.

Edited by Sutol, 21 January 2016 - 11:53 AM.

[gaffer1986]

Yeah I understand that, but I would be suing him as my agent

 

Hopefully I don't crash, I'm trying my best not to. Hopefully Matt is as good as his word.

[Sutol]

Yeah I understand that, but I would be suing him as my agent

 

Hopefully I don't crash, I'm trying my best not to. Hopefully Matt is as good as his word.

2 hopefully's there, I would also have permanently crossed fingers too. Look, if you or someone else ends up getting injured lets hope Matt has enough stashed away to cover the 10's of thousands the claim may come to. If it's a gamble you're willing to take then fair enough.

[gaffer1986]

The business has been going since May 2007 so I doubt they will still be operating if they were very crooked.

[gaffer1986]

 

Yeah I understand that, but I would be suing him as my agent

 

Hopefully I don't crash, I'm trying my best not to. Hopefully Matt is as good as his word.

2 hopefully's there, I would also have permanently crossed fingers too. Look, if you or someone else ends up getting injured lets hope Matt has enough stashed away to cover the 10's of thousands the claim may come to. If it's a gamble you're willing to take then fair enough.

 

 

That's a very good point.

[Sutol]

The business has been going since May 2007 so I doubt they will still be operating if they were very crooked.

I'm not inferring that at all, just making the point that it's what it says on the policy document, which they all ask you to read carefully, that matters. The mere fact that you have to ask for an electronic copy of the document is all a bit strange to me.

[gaffer1986]

I totally agree with you. I'm think we are probably only insured for 5 track days but he will make out we have done less if we make a claim. If this is true it is obviously very dodgy, but why would he want to know every time we do a track day? Maybe he wants it to sound more official. 

[techieboy]

The mere fact that you have to ask for an electronic copy of the document is all a bit strange to me.

Not strange to me. I'd much rather have electronic copies of everything that historically came paper based (still pissed that my credit card statement is paper based). Not because I give a sh!t about the environment but because it means I can i) actually find it and ii) access it whenever/wherever I am.

I'm certainly not bothered about useless letters saying I'm covered for a trackday (and have never had one from any of the four insurers I've used for the VX over the last 10 years Heritage/REIS/CCI direct/CCI via HT and now ERS via HT) that will inevitably arrive after I've done the trackday anyway, given I rarely give more than 36 hours notice and having one wouldn't give me any kind of warm and fuzzy feeling over an email acknowledgement confirming I'm covered.

If you want all of the caressing and beardiness that comes with them, stick with Classic Line et al and pay for the paper/admin trail.

[Sutol]

Fully in favour of electronic copies Matt, saves me the bother of scanning them, its the fact that I had to ask for it, after all it is what you're paying for! With

 

Classicline when you advised them of a track day, they always passed it by the underwriters before oking it. Whats the harm in asking for cover 14 days before the event, you'll have the confirmation then, hard copy or electronic.

[PaulCP]

I've always had email confirmation of TDs from CCI in the form of an amendment to the insurance schedule. It lists not only the current day you are requesting cover for but all of the TDs previously covered during that year of insurance. It is the ease of doing business with them and, in particular, seeing first hand how efficiently they handled the guy whose car had an unfortunate incident rendering the car undriveable on the French Frolic last year, which decided me to renew with them even though I could have saved a relatively small amount going elsewhere. Unfortunately the only time you know how good an insurance company is is when you need to make a claim. Since thankfully I don't have experience of this recently I can only go on the experience of others.

Edited by PaulCP, 21 January 2016 - 02:40 PM.

[techieboy]

Whats the harm in asking for cover 14 days before the event

That would imply a certain level of organisation on my part and a degree of certainty that I'd bother doing the trackday, which I rarely know until the day before at best and quite often on the day itself - cue phone calls from the paddock at Spa last summer (you see, when I tried to be organised, I ended up with rooms in two hotels) or numerous uninsured trackdays over the years.     I dunno, I'd prefer having £120 off the cost of the policy, rather than them factoring in a £20+ admin fee for a letter or policy amendment half a dozen times a year.

[techieboy]

I've always had email confirmation of TDs from CCI in the form of an amendment to the insurance schedule. It lists not only the current day you are requesting cover for but all of the TDs previously covered during that year of insurance.

 

Weird. Funnily enough, I've got 10 years worth of VX insurance documentation in front of me at this very moment (trying to find the poxy insurance paperwork for the Audi ) and there's not a single acknowledgement letter or amended schedule detailing any trackday cover I've used. Nearest I've got is a renewal receipt letter from REIS acknowledging the fact I'd told them of a couple of booked trackdays when I renewed one year.

[Blue Boy]

Just taken out a policy with henderson taylor today, £384, 5k miles a year,stage 2 mods and unlimited track days. Im 30, 8 years no claims, no claims or anything

[MartinS]

£60 less than classicline but no british or euro rescue included.

I used the classic line rescue one twice and it was great, better than the RAC, but with the 6 trackdays I was quoted by HT, I get European ones covered, so,  it seems my decision is down to how bothered I am about euro track cover versus the cost of taking out RAC again (£100 plus euro cover).

Ho hum.

Martin S

 

 

[CHILL Gone DUTCH]

Classic line don't do track cover anymore Or they didn't last March when I wanted to renew mine

[PaulCP]

 

I've always had email confirmation of TDs from CCI in the form of an amendment to the insurance schedule. It lists not only the current day you are requesting cover for but all of the TDs previously covered during that year of insurance.

 

Weird. Funnily enough, I've got 10 years worth of VX insurance documentation in front of me at this very moment (trying to find the poxy insurance paperwork for the Audi ) and there's not a single acknowledgement letter or amended schedule detailing any trackday cover I've used. Nearest I've got is a renewal receipt letter from REIS acknowledging the fact I'd told them of a couple of booked trackdays when I renewed one year.

 

 

Wonder if the CCI cover via Aviva is different, I've always had a confirmation email attaching the revised schedule

[Chris P Duck]

When I renewed the email from them said "unlimited track days" however the documentation still said 5 when it came through. I questioned him on it and he admitted it was badly worded but what it really meant was 5 were included in the policy, extras could be added for a "small" charge per track day. Misleading if you ask me!

[MartinS]

Classicline still cover 6 British track days and always give a very professional written confirmation of cover before the event both via email and post.

 

Martin S