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Standard comprehensive car insurance does not cover damage occurring on a racetrack or during any competitive or timed driving event. Specialist supercar insurance policies can include optional track day cover for non-competitive circuit driving, but it must be specifically endorsed onto the policy — it is never included automatically.
Ask your supercar insurer or broker to endorse your policy for track day use. You'll typically need to declare the circuits you intend to use, the number of track days per year, and whether events are competitive or non-competitive. Non-competitive driving days (where participants drive at their own pace with no timing) are insurable with specialist underwriters. The additional premium varies based on the vehicle's value and the extent of circuit use.
If your policy does not include track day cover and you damage your car on circuit, you have no insurance protection — the cost of repairs or replacement falls entirely on you. Given the repair costs for exotic vehicles, a minor incident at speed can result in a six-figure repair bill. Some circuits offer limited on-site cover for their track day events, but these are typically low-limit products designed to supplement, not replace, a proper specialist policy.
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