Just a quick question before I make a mistake, if I am connecting two points toe to toe, do I need to use insulated rail joiners?  I know what to do at the heel, just checking where two connect at the toes….  Thanks
Michael

Michael, toe or heel, which is which? Joining two turnouts, electrofrog to make a crossover. yes Insulated on the crossover part. Others maybe needed depending on track plan & if DC or DCC !  A plan would help in offering the correct answer.

Gaps or insulators yes. 

Nigel

DCC Advice #11: Wiring Pointwork and Special Track Conditions For DC or DCC

describes toe & heel   and where insulators go.

Make sure you use some sort of interlocking.

Nigel