I've tried running a search in Google (I found a lot of other forums talking about this).

The consensus is that insurance companies are starting to include fine prints to exclude insurance for track events. Their wording varies though. Some say only timed events are excluded, while others say that any form of racing (timed or not timed) would trigger something.


I guess my next question is, is there insurance that one could get separately for track events (e.g. one day racing insurance, etc)?

Thanks.

 

I was thinking of trying to make it to the Sept 15th one, might see you there

 

That's what happened to a buddy of mine. State Farm fixed the car, then when it was picked up from the body shop he was given notice that he no longer had insurance.

It is in the fine print of the policy, so just read it and you'll know for sure. You can call them and ask, but the policy is what matters. The person on the phone could say that you'd be covered all they want, that doesn't mean it's true.

 

Hmm I wouldn't mind going too. Not sure I can swing it. Being on the track 3 weekends in September might be a bit much

That's the thing. If it's not timed, it's not racing. My wife calls my HPDE's "racing" and I'm always correcting her. I don't want her mentioning "Racing" to the insurance agent by accident.

My insurance company didn't drop me. Then again, I'd never try to get them to cover me again if I totalled another car on the track. I'd just eat it and try to salvage some parts out of the car. That's why I tracked a Civic for 2 years after totalling the Type-R. I wanted a car I could wreck and just walk away from (though I have into my civic about what my '2k cost me).

I now feel that my skills are good enough to track a more expensive car. You know, many instructors don't like instructing in early '2ks (00-03) because they're considered difficult for noobs to drive.

 

I agree with Ek9, if you word it right you get a better chance of coverage, "driver's education" is better than "racing"

 

Small correction: if it's not competitive it's not racing. Timing and competition do not necessarily require each other. But that may or may not be a distinction too subtle for an insurance company. Some of them even take a roll bar or track tires to be proof of "racing".

 

search for "track insurance" This has been cover a billion times and nothing new will come from this thread.

 

I have American Collectors Insurance HPDE insurance this year. Unfortunately they will not continue the program any more (or sign up new people) so I'll be looking for something new next year....

 

http://wurthmotorsports.com/car_insurance.asp

 

just don't crash