Damage & Excess Policy
Version 1 · Part of the Booking Terms · Accepted with your Driver Declaration
1. Your excess
You are responsible for accidental damage to the car you are driving, and to Venue property, caused by your driving, up to the excess amount shown on your booking. The excess depends on the car category:
| Category | Default excess (set per car in the app) |
|---|---|
| Karting | [£ ] |
| Open wheel: F4 / GB4 | [£ ] |
| Open wheel: GB3 / Formula Regional | [£ ] |
| Closed wheel: Ginetta / GT4 | [£ ] |
| Supercar experience | [£ ] |
These amounts must match your insurer's policy. Confirm them with your broker.
2. Damage waiver (optional)
Where offered, you can buy a damage waiver at booking. It reduces your excess to the lower figure shown.
3. What you are NOT responsible for
- Mechanical or component failure that was not caused by your misuse.
- Damage caused by another driver, where officials or data reasonably show this.
- Normal wear and tear, including tyre wear, brake wear and minor stone chips.
- Damage caused by Karat's negligence.
4. When you may be responsible for MORE than the excess
- Driving under the influence of alcohol or drugs.
- Deliberately ignoring flags, instructions, or limits agreed in your run plan.
- Dangerous or reckless driving, as judged by Venue officials or Karat staff.
- Driving a car you were not authorised to drive.
5. Process
- Any incident is recorded on the day, with photos, data and video where available.
- We send you an estimate within 14 days. You may ask to see the evidence.
- We invoice the final cost, up to your excess, once repairs are assessed. Payment is due within 30 days.
- [OPTIONAL: We may take a pre-authorisation hold on your card for the excess amount before the day. It is released within 7 days if there is no damage.]