If any of you have booked this year (May or September ) and have trouble with your insurance company when you tell them you are participating in a Sloc closed road run over the mountain, the Isle of Man Motoring Events team can send an email to your insurers. They tell me they have 100% success in getting them to provide cover within your existing policy.
why do you even have to tell your insurance company
You don’t have to tell them anything, but technically you are not covered by insurance if you drive on a closed road. If something did happen, you might struggle with the claim. Manx police might also want to see proof of valid insurance.
I could do a hill climb on a closed road, but there is no way my insurance will cover that.
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not to sure about that I go to the isle of man every year for the tt the mountain section is one way the same as when they are racing but when the race is not on you can you can still take your bike on it. the police don’t ask to see your insurance unless you have been in a road traffic incident and your not under any obligation to tell your insurance company.
The organisers argue that cars are released at 30 seconds intervals, have to comply with speed limits and there’s no-one coming in the opposite direction. So it’s safer than day to day driving .
I was flatly refused cover (by Saga) for last years IoM event.
I didn’t say the police will ask for proof of insurance, they may ask for proof of insurance.
When Ramsey to Bungalow is closed , it is actually closed, not made into a temporary one way road. During such an event, invited drivers are permitted to drive on the closed road. When you drive Ramsey to Bungalow during a closed road session, you will not get stuck behind a bus nor have to pass a cyclist, horse, learner driver. You are escorted by the organisers (the lead car). A constable or marshal is on duty at the start to ensure unauthorised vehicles do not go on the closed road.
Your insurance may or may not cover this. The IOM road closures come under the 2016 Road Racing Act, which defines a Race as " trial of speed, and any practice, trial, heat, parade, or display preliminary to or in connection with a race". You are in a parade, albeit a very fast parade. Insurance companies might treat it as a race track, because the Act is treating a parade of cars the same as a car race.
I’ve done it. Its enjoyable, some peope do forget where they are. When I was there, some MX5s narrowly avoided a head one when they forgot the closed road ended at the tracks at Bungalow, and they continued barreling down the mountain road on the right hand side of the road, before realising there was oncoming traffic frantically flashing them.
Of course you don’t have to tell your insurance company. If you do come acropper, maybe sneeze mid corner at 80mph, and make a claim, if you do not explain the full circumstances, you might be guilty of fraud. And the Insurance companies aren’t stupid.
I disagree. Drivers tend to be more likely to exceed the capabilties of their cars, and themselves, when indulging in their little racing fantasy.
You’e not insured during a parade lap at Silverstone, Donington etc. Sure, the risk is low, but you are just as likely to have a huge sneezing attack during said parade lap while you perform a royal wave to the laughing crowds, and then come a cropper, and damage your car.
Parade lap crash
What might happen is that you become complacent, because there is no oncoming traffic, and you forget about that broken manhole cover, or the cat that jumps out of the hedges. Stuff happens. Bit of a rubbish time to find out you don’t have insurance cover, nor will the AA come out to get your now 3 wheeled car home.
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You have a point - theory is one thing, in practice it can be another thing entirely.
I got my throttle pedal stuck under a loose footwell mat on a parade lap. I wouldn’t want that happening approaching those white painted stone walls on the mountain course at places like Guthries. These scenic runs have the added distraction of the views and passengers pointing them out…
We are doing the Scenic Car Tours IOM event in September and we will be escorted over the Mountain Circuit and it will be a closed road event, Scenic Tours told us to inform our insurance company and to tell them it’s a closed road, not a race and it’s not timed, I told Churchill and they said fine you’re covered.
I should think so.
If you have 5000 miles cover on our dangerous UK roads for a £250 premium, that’s 5p a mile. Even if a one-way, cherished car procession is deemed to be twice as hazardous a risk, a 10-mile jog over the mountain adds 50p to the insurer’s risk.
I’ll be there Wed-Sun but not part of your package - other than the Jurby track sessions on the Friday.
I totally agree, but people on here seemed to have different opinions on it. You started the thread saying anyone doing it and has trouble with their insurance company should tell the IOM motoring events team who have a 100% record in getting companies to provide cover within their existing policy which implies some might have a problem, I was just saying that Scenic Car Tours tells you to check with them and I did, but DFP said Saga refused them.
I’m not doing the track day, I don’t trust myself and the cars only a year old, the wife might have something to say if I break the car. 
That manhole cover mid corner at Jurby took out a few MX5s. Its a boring track.
Should have kept your DSC on…
Real MX5s don’t need nanny aids.
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