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"I chose Primo to arrange my insurance because of their attention to detail."
At Primo, we like all our clients to feel this way

Karting Insurance: Fueling Your Track's Success with Primo

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 Primo, 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 Karting Insurance is Crucial

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.

Primo's Comprehensive Karting Insurance Cover

Our tailored insurance solutions are designed to protect your business from every angle:
  • Public Liability Insurance:

    Covers your legal liability for injuries or damage to third parties on your premises or during your events.
  • Employers' Liability Insurance:

    A legal requirement in the UK for most businesses with employees, this covers compensation claims for work-related injuries or illnesses.

Optional Covers to Enhance Your Protection:

  • Buildings and Contents Insurance:

    Protects your premises and the contents within from damage or loss.
  • Business Interruption Insurance:

    Covers lost income if your business is temporarily closed due to an insured event (e.g., fire, equipment failure).
  • Goods in Transit Insurance:

    Protects your equipment while in transit to and from events.
  • Legal Expenses Insurance:

    Provides financial assistance for legal fees in case of disputes.
  • Personal Accident Insurance:

    Offers financial support to you or your employees in case of accidental injury.
  • Equipment Cover:

    Protects your karting gear, including helmets, suits, gloves, and tools, from the elements and potential theft.
  • Money and Banking Insurance:

    Covers loss of money on your premises, in transit, or in a bank night safe.

We Cover All Types of Karting Equipment

Whether you operate petrol karts, electric karts, quad bikes, or other specialised vehicles, we have you covered. Our comprehensive insurance solutions cater to a wide range of karting businesses, from indoor tracks to outdoor arenas.

Why Choose Primo for Karting Insurance?

  • Specialist Expertise:

    Our brokers are well-versed in the nuances of the karting industry and understand the specific risks you face.
  • Tailored Solutions:

    We don't believe in one-size-fits-all policies. We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
  • Competitive Premiums:

    We leverage our relationships with top UK insurers to secure the best rates for our clients.
  • Exceptional Service:

    Our dedicated team is committed to providing exceptional service and support throughout the insurance process.

Get a Quote and Keep the Fun Rolling!

Don't let insurance worries slow you down. Contact Primo today for a free, no-obligation quote and let us help you protect your karting business so you can focus on delivering unforgettable racing experiences.
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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Karting Insurance FAQ: Keeping Your Business on Track | Primo

  • 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 Primo 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.
  • Why should I choose Primo for my karting insurance?

    Primo specialises in leisure and motorsport insurance, with extensive experience in the karting industry. We offer tailored policies, competitive premiums, and expert advice to help you find the right cover for your karting business. We'll work with you to ensure you're fully protected and can focus on delivering an exhilarating experience to your customers.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Help with choosing the right cover options for your business.

If you are new to business insurance or would like a simple overview of the cover options please see below.
Kart racing around an S bend.

Track Operators Cover

For full details and information on track operators inbsurance cover please follow the link below.

Equipment Cover

Cover for equipment that is either damaged or stolen for more details on the full extent of this cover and any exclusions that may apply please speak to your assigned broker.
karts on the track
People enjoying a public event with bouncy castles and rides

Public Liability

Anyone who works with or around people will need this insurance. You may have just started a new bouncy castle business, or perhaps you operate part-time to increase your monthly income.

Employer's Liability

If you employ someone who isn't family or has a part-time assistant, paid or voluntary, then by law (unless exempt), you will require employers' liability in addition to your public liability.
Man wearing T-shirt which say staff across the back
Colourful lock up industrial units

Business Premises

It sounds rather official, doesn't it? However, it can be as simple as a secure lock-up where you keep your equipment. Business premises will cover your buildings and often include the fixtures and fittings as well.

Business Interruption

You should consider business interruption if you rely on your business' income. If your company cannot trade as expected, for example, if there is flooding and you cannot get to your equipment at your premises, this cover will protect you against financial loss.
Flooded shops show why business interruption cover is important
men loading van with boxes

Goods in Transit

Often, the equipment you transport is quite expensive, and while your vehicle may have an excellent cover package, you may need more than the replacement cost of your equipment, and you could find yourself out of pocket. It's worth checking with your insurance provider.
This cover can be helpful for any business, either established or a new start-up. While public liability will cover you against your company's negligence should it occur, what cover protects you against the costs of defending against a claim that isn't or wasn't your fault?
Judges wooden gavel
Lad with arm in bandages

Personal Accident and Assault

Personal accident and assault covers you financially should you be unable to work due to an injury.

Money and Banking

This policy provides coverage up to a limit for loss of money held. Cash limits may vary from insurer to insurer, so please speak to your broker about any exclusions and the limits placed on your expected policy.
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