I know that regular car insurance does not cover you on the 1/4 mile, auto-x, or road course tracks as they are "sanctioned racing events" and insurance does not apply.

My question is, if I want to take my car on a road course or do auto-x, are there companies that offer insurance for such cars? Anyone know what kind of protection, if any, can be purchased for driving on an amateur day at a road course?

Also, I know that some type of liability insurance is given to S2000 owners when there is a sanctioned S2000 event, such as our WTD meet, or when we did the FWT. What exactly is this insurance policy for and what does it do?

 

Here is what cthree has posted in the community organizers forum. I hope he is okay with me posting this here for you. If not, a moderator is welcome to take it down, just trying to help.

S2KI has a General Liability insurance policy in place for events held within the United States and Canada. This $1 million policy covers you the Community Organizer, your Club and your participants and sponsors from liability claims brought about as a result of something related to your events.

This policy is a bit complex. There are 2 parts: Form A and Form B.

First, Form A is the general policy in place all the time which covers everything which isn't speed or competition related. That mean dinner meets, social drives, caravans or canyon tours. If it's in public and not competitive then Form A covers you WITHOUT any additional requirements.

For autocross, rallys, poker runs or other events which are timed, ranked or scored you need to complete Form B and fax it to me at least 4 weeks prior to the event. You must include a map and the rules and they must conform to the autocross rules of K&K Insurance. S2KI will cover the additional costs involved for such events. After you fax me Form B I will send you Liability Waiver forms that all participants and workers must sign prior to participation. You must retain these completed forms for 1 year following the event in the event of a claim. Do not send the completed waivers to me, s2ki or K&K Insurance. You will also receive a certificate of insurance from me which is your confirmation of coverage for the event.

If your event takes place on public roads then I highly encourage you to take some prepatory steps to make sure the event is safe, fun and runs smoothly:

1. Contact your local law enforcement community office and let them know you are planning the event. Give them the documentation, time tables and route maps and most importantly ask them to participate. Request a safety officer to speak at your driver meeting. The key is to let them know you are organized and law abiding. The last thing you want to happen is for them to pull you all over during the run and have to explain it to them then. There is nothing illegal about driving public roads and getting law enforcement involved early will make your life much easier later on. They will also be far more lenient about minor violations (sound, licence places, ride height, etc.) if they feel part of the process.

2. Have well defined documentation, route maps and schedules. Make sure you know where you are going, when and how you plan to get there. Emphasize safety and point out that illegal driving won't be tolerated. Speeding laws, passing rules and especially racing need to be highlighted and gone over. Keep this documentation secret until the driver meeting the morning before the drive.

3. Make sure all participants have valid drivers licenses and proof of insurance. Make sure the cars are in good shape and safe. No sitting on laps or standing on seats. Sit down, buckle up and behave.

4. Break your group into heats and send them out several minutes apart. Space them out well so you don't get bunched up, 10 minutes should do it. Keep the number of cars to 5-8 per group and choose responsible group leaders who are able to communicate with the other groups to inform them of problems or traffic conditions. If someone has an accident then make sure the other groups don't stop. There is no need to have 30-50 cars stopped on the side of the road. The group leads should be well informed about how to handle problems that arise, everything from minor fender benders or major personal injury accidents. Your group leaders need to lead and you need to make sure they have the tools and information they need to do it. They need to be responsible for the safety of their group not just set a pace for others to follow.

Managing a run group of 100+ cars is a very complex undertaking so be prepared and make sure you get your ducks in line BEFORE the morning of the run.

These are links to documents you may require:

http://download/icelplan.pdf - Information about our Independent Club Event Liability (ICEL) coverage from K&K insurance
http://download/KKFormB.pdf - K&K Insurance Event Form B
http://download/autox-minqual.pdf - K&K Autocross Minimum Requirements

Hope this helps your questions about the insurance policy

edit - just realized that the documents linked don't work. they don't in the thread in community organizers either (incorrect urls)... so ignore that portion...

 

great thanx