You don't actually need an MOT to go on track - lots of non road worthy cars use track days (i.e. pure track day cars, lack of lights, speedo etc). However, any car in a dangerous condition (i.e. bits hanging off, leaking oil on circuit etc), will be black flagged. There are no insurance requirement - you sign an indemnity with the track owners and/or track day organisers before going on track - any damage (to your own car, to a third party car which is clearly your fault, or to the track itself - i.e crash barrier, tarmac repairs etc) is down to you. Most track day organisers exclude open wheel single seaters from general track days.
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