Karting Insurance
Fuelling your go-karting track's success with Howden.
Why choose Howden for Karting Insurance?
Howden is the new name for Primo.
When it comes to sourcing the best karting insurance cover options, as an insurance broker we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of specialist leisured-based insurers, we make the process of comparing multiple policies, on your behalf, quick and easy. What’s not to like?
We also recognise that each policy needs to be as individual as its owner, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your taxi liability insurance.
Ultimately, just know that we’re here to help, whether you need to purchase a new taxi liability policy, renew an existing one, or even just make a claim.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- Our brokers are well-versed in the nuances of the karting industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
Karting Operators' Insurance: How does it work?
Karting: the adrenaline-pumping sport that's launched countless motorsport careers and brought joy to millions. From budding racers to seasoned enthusiasts, the thrill of the track is a shared passion. At Howden, we understand the unique challenges and rewards of running a karting business, and we're here to ensure your operation is as safe and secure as the track itself.
Why do I need Karting Insurance?
While karting is undoubtedly exciting, it's important to remember that accidents can happen, even with the best safety measures in place. From minor collisions to more serious incidents, the financial implications can be significant. That's why having comprehensive karting insurance is essential.
What’s covered?
Our tailored insurance solutions are designed to protect your business from every angle:
Public Liability Insurance
Covers your legal
Karting Insurance FAQs
What insurance does a go-kart track need in the UK?
Go-kart tracks in the UK need several essential types of insurance:
- Public Liability Insurance: This covers claims for injuries or property damage caused to third parties, including customers, spectators, and other visitors to your track.
- Employers' Liability Insurance: If you have employees (including part-time or casual staff), this is a legal requirement. It covers compensation claims for work-related injuries or illnesses.
- Track Operators' Liability Insurance: This specialised cover protects track owners and operators from claims related to track conditions, equipment malfunctions, or spectator injuries.
Additional covers, like buildings and contents insurance, business interruption insurance, and equipment insurance, are highly recommended to protect your assets and income.
How much does go-kart track insurance cost?
The cost of go-kart track insurance varies depending on factors like the size of your track, the number of karts, your annual turnover, claims history, and the specific coverage you choose. It's best to get a personalised quote from a specialist broker like Howden for an accurate estimate.
Does karting insurance cover accidents caused by drivers?
Yes, karting insurance typically covers accidents caused by drivers, as long as they were following the track's safety rules and regulations. However, if the accident was caused by reckless driving or intentional harm, cover might be excluded.
Do I need karting insurance for indoor karting tracks?
Yes, regardless of whether your karting track is indoor or outdoor, insurance is essential. Public liability and employers' liability insurance (if applicable) are typically required for both types of tracks.
What is the difference between karting insurance and motorsports insurance?
While both types of insurance cover motorsport activities, karting insurance is specifically designed for go-kart tracks and businesses. It often includes cover tailored to karting-specific risks, such as track liability and equipment cover for karts.
Is it possible to get karting insurance for vintage karts?
Yes, you can get insurance for vintage karts, but it might require specialised cover. Some insurers might have restrictions on older karts, so it's important to discuss your specific needs with a broker to ensure you get adequate protection.
What happens if a customer's personal belongings are stolen at my karting track?
If a customer's personal belongings are stolen while at your karting track, they might be able to claim compensation through your public liability insurance, depending on the circumstances and the specific terms of your policy.
Does karting insurance cover damage to my karts caused by accidents or vandalism?
Yes, karting insurance often includes equipment cover that protects your karts from damage caused by accidents, vandalism, or theft. This can be crucial for minimising financial losses and getting your business back on track quickly.
Can I get karting insurance if I have a new or small business?
Yes, you can get karting insurance even if you're a new or small business. Insurers understand that all businesses start somewhere and offer policies tailored to the needs of smaller operations.
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