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Specialist · Kit Car · Track Day Cover

Kit car track day insurance UK 2026

Kit car track day insurance starts at around £63 a day in 2026 and is typically priced at about 1% of your car's agreed value with a 10% on-track excess — so a £20,000 Cobra or Caterham replica costs roughly £180 for a single circuit day. Crucially, your normal road policy is void the moment your wheels touch the track: standard cover excludes on-track use, and track day insurance is accidental-damage only with no third-party liability. Full cost table, what is and isn't covered, and the specialist brokers to use below.

Track day cost table → Kit car insurance pillar
Compare kit car insurance quotes
from ~£63/day
single track-day cover
~1% of value
typical premium rule
£0 liability
no third-party on track
Direct Answer

Why your normal kit car policy won't cover a track day

Almost every UK road motor policy — including specialist kit car and classic policies — contains an exclusion for “use on a track, circuit, airfield or off-road event”. The instant you leave the assembly area and go out on a session, your everyday cover stops responding. If you crash on-track without separate cover, the repair (and any damage to another participant's car) comes out of your own pocket. That is why a dedicated track day insurance policy exists: a short-term, on-the-day accidental-damage contract that sits alongside your annual road policy just for the circuit.

Two things surprise most first-timers. First, price is driven almost entirely by the car's value, not by engine size or your age — expect to pay roughly 1% of the insured value per day, from a floor of about £63. Second, track day cover is damage-only: it pays to repair or write off your car, but carries no third-party liability, because circuit operators require you to accept that risk on their sign-on indemnity. For the full picture on insuring the car itself for the road, see our kit car insurance cost guide.

Cost Table

Kit car track day insurance cost by value (2026)

Kit car single-day track insurance premium by agreed value — UK 2026
Priced at roughly 1% of the car's value per day; a £50,000 build costs about £470 for one circuit day.
£10,000£95 £15,000£140 £20,000£180 £30,000£270 £40,000£360 £50,000£470

Source: composite of MORIS, Howden, Performance Direct and Brentacre 2026 track-day schemes; single-day accidental-damage cover at roughly 1% of insured value.

Agreed / insured valueSingle track-day premiumTypical on-track excess (10%)Example kit / replica
£10,000£95£1,000Locost / early Robin Hood
£15,000£140£1,500MK Indy / Tiger Avon
£20,000£180£2,000Caterham 310 / Cobra replica
£30,000£270£3,000Westfield / GT40 replica
£40,000£360£4,000Ultima GTR / high-spec Cobra
£50,000£470£5,000Ultima Evolution / bespoke build

Sources: MORIS, Howden, Performance Direct and Brentacre 2026 track-day schemes; single-day cover starts near £63 and is priced at roughly 1% of insured value with a 10% excess. Multi-day and season packages typically discount 25–50%. Figures are indicative ranges, not quotes. Refresh: 2026-10-14.

What's Covered

What kit car track day insurance does and doesn't include

Track day cover is deliberately narrow. Understanding the boundaries stops an expensive misunderstanding at the circuit gate:

  • Covered: accidental damage to your own kit car if you spin, understeer into a barrier, or another participant hits you on-circuit — up to your agreed value, minus the excess.
  • Covered: most sprint, hillclimb and “green-lane” non-competitive events, provided you declare the event type and it isn't wheel-to-wheel racing.
  • NOT covered: third-party liability. If you damage the Armco, another car or circuit property, you carry that yourself under the venue's sign-on indemnity. This is the single biggest gap versus a road policy.
  • NOT covered: competitive/timed racing or wheel-to-wheel motorsport — that needs a full motorsport policy, not track day cover.
  • NOT covered: mechanical failure, tyre wear, brake wear or general “wear and tear” from hard track use.
  • Excess: almost always around 10% of the insured value — so a £30,000 car carries a £3,000 excess you'd pay before the insurer contributes.

Because pricing follows value, an agreed (or “stated”) value is central. Kit and replica cars have no Glass's Guide book price, so you and the insurer fix a figure up front from your build receipts, parts invoices, labour and photos. That agreed value is both the maximum pay-out and the base your 1% day-rate is calculated from — the same valuation logic covered in our kit car insurance cost guide.

Where to Buy

Specialist track day & kit car brokers

Mainstream comparison sites can't price a self-built car on an agreed value for a single day — you need a specialist scheme. The established UK names for kit car and track day cover in 2026 are:

  • MORIS — dedicated single-day track day scheme, one of the longest-running in the UK; day rates from around £63.
  • Howden (formerly A-Plan) — track day and combined road-plus-track packages for high-value builds.
  • Performance Direct — specialists in modified, kit and high-performance cars; single-day and multi-day cover.
  • Brentacre — long-established kit and replica specialist; agreed value and track add-ons.
  • Adrian Flux — the UK's largest kit car insurer, with track day extensions available on annual policies.
  • Greenlight Insurance — track day cover across cars and bikes, including one-off day cover.

Buying tips: declare every modification and the true agreed value — under-declaring to save on the 1% premium risks the whole claim being cut back. Book multi-day or season cover if you attend more than two or three events a year, where discounts reach 25–50%. And always check whether your annual kit car policy already offers a cheaper track add-on before buying standalone day cover.

Common Questions

Kit car track day insurance FAQs

Almost never. Standard road policies — including specialist kit car and classic cover — exclude use on a track, circuit or airfield event. The moment you go out on a session your annual policy stops responding, so any on-track damage is uninsured unless you buy separate track day cover or a specific track add-on. Always read your policy's “track and competition” exclusion before you book an event.
Single-day cover starts at around £63 and is typically priced at roughly 1% of the car's insured value per day. So a £20,000 Caterham or Cobra replica costs about £180 for one day, and a £50,000 Ultima about £470. Buying multiple days or a season package usually discounts 25–50%. Value, not engine size or driver age, is the main price driver.
No. Track day insurance is accidental-damage cover for your own car only. It carries no third-party liability, because circuit operators require every participant to accept that risk on the venue's sign-on indemnity form. If you damage barriers, circuit property or another car, you are personally liable. This is the single biggest difference from a normal road policy and catches many first-timers out.
The on-track excess is almost always around 10% of the insured value. On a £30,000 kit car that is a £3,000 excess you pay before the insurer contributes; on a £50,000 build it is £5,000. Because both the premium and the excess scale with value, an accurate agreed value matters — over-valuing inflates both, under-valuing risks your claim being reduced.
Because a self-built car has no manufacturer list price or Glass's Guide value, you and the insurer fix an agreed (or “stated”) value up front. It is based on your documented build costs, parts invoices, labour, condition and photographs. That figure is both the maximum pay-out if the car is written off and the base for the ~1% daily track premium, so keep your build file and receipts up to date.
Yes — several kit car specialists (Adrian Flux, Howden, Performance Direct) offer annual policies with an optional track day extension, so occasional on-track use is covered without buying standalone day cover each time. If you attend three or more events a year this is often cheaper than repeated single-day policies. Note that even combined policies usually still exclude competitive racing and provide limited or no on-track third-party liability.
No. Track day insurance is for non-competitive, untimed sessions only. Wheel-to-wheel racing, timed competition and organised motorsport need a full motorsport policy, which is a different product with its own MSUK licensing and scrutineering requirements. Sprints, hillclimbs and open pit-lane track days are generally fine as long as you declare the event type accurately when you buy.
The established UK specialists are MORIS (single-day track scheme from around £63), Howden, Performance Direct, Brentacre, Adrian Flux and Greenlight Insurance. All can price a self-built car on an agreed value — something mainstream comparison sites cannot do. Declare every modification and the true value; under-declaring to shave the premium risks the claim being cut back or refused. For insuring the car on the road, see our kit car insurance cost guide.

Our sources

  • MORIS track day insurance — single-day scheme pricing (from ~£63) and the ~1%-of-value / 10%-excess basis
  • Howden & Performance Direct — specialist track day and combined road-plus-track schemes for high-value builds
  • Brentacre & Adrian Flux — kit and replica car agreed-value cover and track add-ons
  • GoCompare — kit car insurance — agreed value and modification-declaration guidance
  • ABI 2026 motor data — UK average premium (~£600) benchmark used for context
  • Car Insurance Expert composite — 2026 sampling of specialist track-day day-rates by insured value

Reviewed by the Car Insurance Expert editorial team

Track-day day-rates are compiled from published specialist-scheme pricing (MORIS, Howden, Performance Direct, Brentacre) and our own quote sampling, expressed as indicative ranges rather than firm quotes, refreshed quarterly and reviewed by the Car Insurance Expert editorial team.

Last updated: 2026-07-14

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