Are there organizations that offer track day insurance? People have mentioned this to me in the past though I've never actually seen anyone offering it.

I may be interested in something like this, so if you know of anything, please pass it on. Thanks!

Haha, if you have USAA as your primary provider, make sure they don't even catch wind of you PARKING at a course...

There's insurance for everything....from liabilty to comprehensive and collision....even for racing................

The problem is expense. If you can find someone/place who can underwrite it, chances are it won't be remotely worth it to you as the cost would be extraordinary.
Some sanctioning bodies will provide participant liabilty insurance in such arenas as challenge series...(a la Ferrari Challenge)

With that said, there are at least a few folks who have who purchased on track collision insurance as well as personal/medical coverage. Generally speaking of course, insuring a track day 911 gt3 cup car or Ferrari 360 Challenge (non-professional series) would possibly make sense....It wouldn't be financially feasible(in most cases) to purchase track collision insurance on a $30,000~$75,000 race car.

Certainly worth looking into medical/personal/liabilty....expensive but potentially worth it.....contact your insurance agent....he or she, if they cannot write it, would be able to direct you to a group that could.

My opinion only....BriDrive

http://www.americancollectorsins.com/de_faq.htm

That link's just ambiguous enough to make you think there's no differentiation between driver's ed class and a HPDE for example.

If it is, it's a good deal....but I would make certain to read between the lines on ANY policy for restrictions,exceptions and special clauses, etc.

But, just by looking at their generic info, looks like you could completely wad your car for 20% of its value.....not too bad.....$5,375 for a, say, $25,000 car.....either way you pay the first $5000 of any damage sustained on track plus your premium.

BriDrive

Thanks, that link looks good, though it says 10 years of experience required (I'm coming up on 9 shortly).

That's just about the deal I was looking for and I think it's pretty reasonable. Just need to find someone who'll do it for 8 years experience and up.

From their home page: "Our collector vehicle insurance program encompasses antique auto insurance (covering vehicles as "new" as 1990), street rod insurance and antique/classic motorcycle insurance."

Note the 1990 date.

Edit: after re-reading, not sure if that applies to Driver's Ed policies.

Dave,

Really, really read every word of your insurance policy. They send a full copy once a year in Mass. My parents used to own an insurance agency, so my policy would be pre-highlighted to show the sections that say that I wasn't covered on the track ever! Not all policies are like this but since that Porsche Yahoo crashed his modified 911 and claimed it, fixed the car and did it all over again and then went back to claim the modifications on it......and then ended up in jail for fraud, most Mass policies have been rewritten with very specific language telling you how any timed event or organized speed or performance event isn't covered. My policy's so bad that if I go on an organized caravan to a car show, they could deny coverage.

As you know, my present insurance is a cheap, former SCCA IT car and trailer. :D

Good luck finding what you're looking for......

jack

Haha, if you have USAA as your primary provider, make sure they don't even catch wind of you PARKING at a course...

WRONG! At the Glen last year, a fellow Audi driver crashed his S4...totalling it.

USAA covered it. It was actually driven by his instructor at the time with him in the passenger seat.

WRONG! At the Glen last year, a fellow Audi driver crashed his S4...totalling it.

USAA covered it. It was actually driven by his instructor at the time with him in the passenger seat.

Ugh, I heard about that... that was a Quattro club event, right? My buddy was there w/ his '79 911... the instructor was driving, flipped the vehicle, and the student broke three fingers. The kicker was that he's a surgeon so he was pretty screwed...

Jack, thanks for the info. I have no doubt that typical Mass auto insurance does not cover track days which is why I'm looking for something extra. I'll continute to keep an eye out.

Ugh, I heard about that... that was a Quattro club event, right? My buddy was there w/ his '79 911... the instructor was driving, flipped the vehicle, and the student broke three fingers. The kicker was that he's a surgeon so he was pretty screwed...

Jack, thanks for the info. I have no doubt that typical Mass auto insurance does not cover track days which is why I'm looking for something extra. I'll continute to keep an eye out.


I also have USAA Insurance... I called, and the company line was "driving school is ok" but HPDEs could cross the line in many cases, even with an instructor aboard.

It may come down to dumb luck or whoever your rep is from the insurance company. :confused:

Yes USAA may have covered it but did they renew the policy? On a claim USAA inquired about my use of my WRX due to the modification, when it was totaled by a thief. They covered everything including in a manner of speaking the modifications, but they would not cover me when I bought the STi because they did not have any rate schedules or actuarial experience to rate the policy. I spoke directly with their actuarial pricer - no go. If they know you track the car you will be dropped. Yes they may cover you if you wreck it and they didn't previously know (because they are a good service insurer) - but good luck ever getting insurance with them again.

Yes USAA may have covered it but did they renew the policy? On a claim USAA inquired about my use of my WRX due to the modification, when it was totaled by a thief. They covered everything including in a manner of speaking the modifications, but they would not cover me when I bought the STi because they did not have any rate schedules or actuarial experience to rate the policy. I spoke directly with their actuarial pricer - no go. If they know you track the car you will be dropped. Yes they may cover you if you wreck it and they didn't previously know (because they are a good service insurer) - but good luck ever getting insurance with them again.

they covered my fathers race car for the driving to and from the race but not during the racing. his porsche's control arm broke on his way home from the race and the car was totaled and usaa covered everything including the mods. he was upfront with them from the get go.

sorry to hear about your luck with them they've only been great for me

USAA dropped me JUST for ASKING about drivers ed events. I'm not kidding. I posted about this several months ago. They were VERY nasty about it. I was a member for 25 years with ZERO claims. Never even had a speeding ticket... EVER. For my own informational purposes, I called them to ask about coverage. I wanted to be upfront and honest. They got back to me and said they wouldn't cover it. OK, fine... I got a supplemental policy from American Collectors... no big deal. Then I got a letter from USAA dropping my policy. I called them to appeal the decision explaining that I was NOT RACING. No matter to them... my policy was toast and that was that. USAA can kiss my ass.

Mike

Get a track beater.. cheaper than an 'off' :)




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Your best bet with an insurance company, especially with the tricks auto insurance companies play, is a lawyer. ;)

Get a track beater.. cheaper than an 'off' :)

I'm not into track evetns much, but keep up on this, and this certainly seems to be the best route in my opinion. I won't even track my 2001 Impreza L because I can't risk not being covered.

Plus, you could still add a policy to a very cheap car (plenlty of cars under $5K that would be fun for track use) and the deductible % and policy cost from the company listed above would be very low compared to a car worth $15K+ dollars.

I just don't think it is worth it to track a $15k + car with a loan on it, unless you have the money to pay off the loss yourself. Too much to risk, and after dealing with an insurance company once because of a vandalism claim I prefer avoid phone calls with those sort of business establishments if I can. :)

Paul G.

USAA dropped me JUST for ASKING about drivers ed events.

I live in Massachusetts where insurance companies cannot refuse coverage. I can't be dropped, though I doubt regular insurance companies cover track days. I'm not even considering them as an option.


Get a track beater.. cheaper than an 'off' :)

Not really an option... I live in Cambridge and have no driveway or garage. Parking on the street, every car has to be registered (which means emissions and inspection) with a parking sticker and has to be moved every so often. That'd make it difficult for a beater, let alone a trailer and tow vehicle.

Plus the Evo is an unbelievably wonderful tool at the track. Call me spoiled :devil:

I'll keep looking... all the google searches turn up tons of stuff in the UK...

I live just outside of DC and manage to 2 park, register, and keep inspected 2 different vehicles. I gaurantee your parking situation isnt worse than mine.

I just hope you are 'spoiled' enough to be able to write a $25k check for the heap of metal after becoming one with the aarmco.
And thats not even taking into consideration the saftey aspect. Most people are unwilling to put rollbars and fixed seats in a daily driver, but these are usually acceptable for only accasional street use. (and necessary for on-track saftey)

back on the original subject, several underwriters provide coverage for wheel-to-wheel racing. Coverage is $500 per weekend/race, and the deductible is $5k.

I looked into coverage for lower-risk HPDE/Track day style events, but couldnt find anything other than the link already posted, which isnt good in VA anyway (and seems a little sketchy to me)

if you cant afford to drive it off a cliff, dont bring it to the track

The car is already paid off.
A cage is likely going in this year. It sees limited street use.
Thanks for the info on wheel-to-wheel.

And lighten up a bit...

I live just outside of DC and manage to 2 park, register, and keep inspected 2 different vehicles. I gaurantee your parking situation isnt worse than mine.[/i]

Not to be off topic, but I'd take that bet. Have you been to Cambridge before? Ever been through a "snow emergency"?

:lol:

Dave,
My brother lives near central square and have enclosed parking (small parking garage under building). It's pretty cheap (like $200/month).

I know it isn't filled, and I don't think it is for tenant only, they just get a deal. If you're interested let me know and I can get the info from him.

Paul G.

Not to be off topic, but I'd take that bet. Have you been to Cambridge before? Ever been through a "snow emergency"?
.
My company is based there, so yes, you could say Ive been there a few times.
Forget the silly pissing match, the point is, its important to have an alternate form of transportation when you have a track vehicle.

The car is already paid off.
A cage is likely going in this year. It sees limited street use.
Thanks for the info on wheel-to-wheel.

And lighten up a bit...

no need for me to lighten up, Im just sharing the wisdom of experience.....
ask me how I know

good luck with the search, make sure to post if you find any good insurance for track days.

"I looked into coverage for lower-risk HPDE/Track day style events, but couldnt find anything other than the link already posted, which isnt good in VA anyway (and seems a little sketchy to me)"

Oddly enough, American Collectors is ENDORSED by USAA! When I called American Collectors, they specifically asked me if I was a USAA member. I asked why. And, they told me they are often referred new clients directly by USAA! Go figure.

Mike

You need to not call them track. Call them High Performance Driving school. Most insurance will cover damages. I had a friend spin his RS in front of me at a Audi HPDE into a concrete wall at Heartland Park Topeka. $9k in damages and USAA covered it. If anything ever happens just tell them you were at a driving school.
Funny thing about the accident, was I invited him to come run at the event. This was a couple years ago and he was 19 at the time. I thought his parents might be mad at me for inviting him to an event like this since he got in an accident. But his parents were cool about it and we talked about it about 2 years later at a 4 July party in KC. It was a learning experience for the both of us. I need to goto another audi club event. At that one, I won a $1500 gift certificate for BBS wheels. Bad thing was, this was Oct 2000 and BBS didn't have any fitments for the Impreza. :mad: So I got some Axis wheels insted.

top dog,

Believe me, I explained the concept of HPDE - driver's ed / drivers school - ad nauseum to USAA. They didn't care. My advice is to not tell them AT ALL. Don't breathe a word about it to them. Maybe their rules have changed. This was only last year. I'm with a different company now who will never know about HPDEs. I still have the supplemental policy with American Collectors.

Mike

there IS a company that offers track day insurance. i forget the name of it, but i believe it was primarily for PCA events only. check forums.rennlist.com/rennforums and search for it.

Need to register to search, would you be able to provide a link?

No need. Don't worry, Twerthi- you're screwed like most us. :mad:
This has all been covered before. No, you probably can't get insurance. Yes, some people have been covered by their "normal" ins. companies.

Hope my link works;
http://forums.nasioc.com/forums/showthread.php?t=578068&highlight=track+insurance (http://)

Russ R

i found this hope it helps

http://www.laurelde.com/index.html

Rule of thumb for insurance companies:

Every thing is covered EXCEPT what you actually do. :)

i found this hope it helps

http://www.laurelde.com/index.html

Thanks for the link... looks like it's for pca members only, but at least such companies exist.

what clubs do you normally run with? PCA is everywhere so if you're looking for that added protection i suppose it wouldnt be too hard to find a porsche club to join