Quote from the Marham Brief Si posted:
Insurance
It is very unlikely that your normal road insurance policy will cover you for the event. The event insurance will cover you for damage to MOD property and third party liability to other people not participating. Therefore, check with your insurance company and either through them or one of the specialist companies. It is strongly recommended that you take out track day cover for your vehicle, as you or your insurance company must pay for any damage you may cause to other cars. Also, you may wish to consider personal accident insurance; track day accidents are very rare, but if you decide to take your car onto a track, you must be aware that you are accepting the risk to the car, yourself and any passenger. You will be required to sign an indemnity prior to the event, as will any second drivers and passengers.
Mine polciy says:
"Where your vehicle is being used in connection with any such event our maximum liability in respect of death of, or injury caused to, any person will not exceed £10,000,000 per event, unless we have to provide a higher limit as a requirement of the Road Traffic Acts. Please note that whilst the above extension in cover is being used the Accidental Damage excess is increased to 10% of the vehicle value."
My insurance covers me for an already agreed value, plus the trackday insurance covers everything except consumables, so bodywork is also included.
I havent said who they are as its not promoting the clubs insurer, Sky, and you have to be a member of another car club.