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Performance Driving Australia Track Day - Friday 21st September 2018

Apologies if this is a stupid question. I presume that my insurance will not cover my vehicle while on a track. Is there any insurance provided by the organisers or is it simply drive at your own risk in terms of one's car?
 
I checked the PDS with my insurer - RACV and a section titled 'Improper Vehicle Use' under 'General Exclusions' states:

"If, at the time of an incident:you or the driver of your vehicle or a substitute vehicle was engaged in a wilful or reckless act while driving the vehicle, or your vehicle, a substitute vehicle or anything attached to your vehicle or a substitute vehicle was being used to carry or store explosives, flammable or combustible substances or liquids illegally, or your vehicle or a substitute vehicle or anything being towed, including a trailer or caravan, was: in an unsafe condition, or being towed illegally, or your vehicle or a substitute vehicle was being used in a race, trial, test or contest, or for unlawful purposes we will refuse any claim"

Even though the descriptions above do not accurately describe the event, I presume that if I were to make a claim, it would be refused.

I received the following email from the organisers:

"Thanks for your email.

You are not covered for any personal injury or vehicle damage.

We do have Public Liability coverage as required by law for any instance where we are found negligent.

We run safe, friendly events and have completed risk assessments and process/procedures are put in place to keep everyone safe.

We have a run driving events for over 20 years and have developed our systems from experience.

We do hope you can come along!

Cheers
Mark

Mark Butcher
Managing Director
Performance Driving Australia
Tasmanian Supercar Experience"

---------------------------------

So I guess it's drive at your own risk and if you do have to make a claim, don't tell your insurer that you were on a track?


 
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