Race Car Insurance

Accident & Damage Insurance for Race Cars, Testing & Championships
(Competitive circuit racing – excluding F1)

Race Car Insurance for Testing, Events & Championships

If you own a race car, you already understand the risk.
Testing.
Qualifying.
Race starts.
Mid-pack traffic.
Mechanical failure at speed.

It doesn’t take recklessness. It takes milliseconds. And normal motor insurance does not apply during competition use. If your race car is damaged during testing, qualifying, during a race or a championship round, you carry the cost unless you have specialist Accident & Damage cover in place.

What This Covers

Race Car Accident & Damage Insurance can be arranged for:

  • Single race events
  • Private testing
  • Official test days
  • Multi-round championships
  • Full season programmes
  • Cars running from club level through to senior formula categories (excluding F1)

Depending on structure, cover can include:

  • Accidental damage to the race car
  • Fire damage
  • Damage sustained during organised competition
  • Recovery exposure

Because when a race car is damaged, you’re not looking at cosmetic repair. You’re looking at chassis, aero, drivetrain, labour, and logistics.

Short-Term or Championship Cover?

Race programmes aren’t identical. You may need cover for a one-off race, a pre-season test, a three-round championship or even a full multi-round season. Cover can be structured around your calendar, including test days leading into events.

What Race Teams Usually Ask

  • “Is testing covered?”
  • “Can we insure from first shakedown/test through the final round?”
  • “What valuation basis is used?”
  • “What excess applies?”

Those are the right questions. We’ll walk through them together.

Why Lynx

We understand circuit racing. We know the difference between testing exposure and race exposure. We know the cost of a damaged tub.
And we respond quickly – because race weekends don’t wait.

Request Race Car Accident & Damage Cover

Want a custom quote that makes sense for the specifics you need to cover? Send us:

  • Series
  • Circuit(s)
  • Dates
  • Car
  • Declared Value
  • If test days are included

We’ll structure Accident & Damage options to match your programme.

Request a Quote

Lynx Insurance Brokers Ltd arranges insurance as a broker. Cover subject to insurer terms and acceptance. Lynx does not arrange F1 cover.