What happens if you crash on a track day?
What happens on the day if you go off or hit something, who pays for what, and how to protect yourself before you go.
Nobody plans to crash on a track day, but offs do happen, from a gentle trip across the grass to hitting a barrier. Knowing what happens next, and who pays, helps you decide how much risk you're comfortable with before you book.
On the day
If you go off and the car stops somewhere unsafe, the marshals will show flags to warn other drivers, and the session may be stopped with a red flag. Stay in the car with your belt on unless it's on fire or you're told to get out. The marshals will tell you what to do.
If the car can't be driven, it will be recovered, usually after the session ends. This is why organisers ask you to fit your tow eye before going out. The organiser or circuit staff will check the car before letting you back out, and you won't be allowed out with fluid leaks or loose parts.
If you've hit anything hard, get checked by the circuit's medical team, even if you feel fine.
Who pays for damage to your car
Most road car insurance policies exclude track days, including sessions on closed circuits. So if you crash, you will usually pay for your own repairs unless you have specialist track day insurance. Read the small print of any policy carefully, because excesses can be high and some policies only cover certain circuits.
Damage to the circuit
Circuits can charge for damage to barriers, tyre walls and other equipment, and for clearing up spilled fluids. The sign-on form you sign usually covers this. Charges vary, so check the organiser's terms before you book.
Damage to someone else's car
Contact between cars is rare on track days, because overtaking is controlled. The disclaimer you sign usually means drivers accept the risks of taking part, and each pays for their own damage. Insurance and liability can get complicated, so check what your policy says about third-party damage on track.
Getting home
If the car can't be driven, you'll need a way home for you and the car. Breakdown cover often doesn't apply at a circuit, so check yours. Some track day insurance includes recovery. Otherwise, keep a local recovery company's number handy.
How to reduce the risk
- Choose a novice day or a day with tuition, especially at a new circuit.
- Drive within your limits, particularly in the wet or on cold tyres first thing.
- Make sure the car is prepared, especially brakes and tyres. See brakes and tyres.
- Follow the flags and the briefing.
- Stop when you're tired.
Most people go years without a serious off. A little preparation and honest driving keeps it that way. If you're new to it all, start with your first track day.