Competition Car Insurance

Competition car insurance for road legal vehicles to cover track days, road use and storage

  • Minimum of 5 track days per year included at no extra cost
  • Towergate are proud sponsors of the Lotus Cup UK and Lotus Elise Trophy 2016
  • We can also provide rally car insurance, including any after market modifications

Get on track and request a quote online

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If you’d prefer to speak to us, call one of our friendly advisors

0344 892 1966

We’re here for you 9:00am - 5:00pm Monday to Friday
Can’t get through right now? Request a callback

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High street insurers can struggle to provide adequate cover for your sports and rally cars. But our specialist policies offer you these great features:

Track Days

We include a minimum of 5 track days insurance per year at no extra cost (It’s 6 for Lotus Elise and BMW M3’s). This means you don’t need to pay for expensive one-off cover or remember to arrange cover every time you go to the track. But if that’s still not enough simply call one of our advisors to arrange extra days cover if you need more.

Road Use

Our rally car insurance policy gives you fully comprehensive road use as standard to drivers over 25 years old and can even include commuting and unlimited millage use. So even if your car is high performance or converted for racing, as long as it’s road legal, we can offer road use insurance.

Tools & Spares

Do you take separate parts, tyres, tools and equipment with you to races? Our optional tools cover includes up to £5000 worth of tools and equipment cover. This means that, as long as you can keep them securely locked when not in use, your race kit can be just as well covered as your vehicle.


Already built a no claims discount on your current road car? We can mirror your race car insurance discount on your sports car policy with us, but if not simply start building your no claims discount from today! Various other discounts for car club members and drivers with high performance drivers qualifications are available. Speak with one of our advisors for more information.

Competition Car Insurance Claims

An insurance policy is only as good as it’s claims service. And we’re not talking about any old car here. Your race car is not just your hobby, or even just your ride to work. It’s your passion, an investment in your happiness.

That’s why our exclusive race insurance policies are underwritten by A-rated insurer Aviva.

This means should you need to make a claim you can contact their dedicated motor claims directly. And what’s more it’s open 24 hours a day. But at any time you’re looking for impartial advice or help with your claim you can call one of our advisors who will be happy to support you.

Need to make a claim?

Give us a call and we’ll help settle your claim

0800 092 9564

Lines are open Monday to Friday, 9am-5pm

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Competition Car Insurance FAQs

Can I cover just one track day on its own?

Yes you can. Rather than buying an annual Sports Car policy we can simply cover you for one off events if you prefer. Please see our Track Day page.

Do I have to have a tracker fitted?

We only require a tracker if your vehicle is valued at £40,000 plus

What’s the maximum value we can insure?

We can insure up to a £125,000 via the phone however we can insure up to £149,999 on referral.

Can you provide Road Section Cover

Yes our Rally Car policies can include road section cover, so if your rally needs road legal cover for all or part of it we can help. With unlimited mileage too!.

What about damage to my car in an event?

Our On Event cover will cover the vehicle you are driving for accidental damage occurring during the rally.

Do you offer cover for storage and transit?

Yes we can, our storage and transit cover does exactly what it says. It will cover your vehicle while being stored at the even and while in transit to the event. We can even cover the trailer it is being carried on.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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