track insurance


J

jaxgt

GT Owner
Mark IV Lifetime
Jul 12, 2006
2,818
I searched some old posts and haven't really come up with anything. Has anybody found a reputable company to insure our gals should we take them on a track day for some untimed laps, or perhaps a high performance driving school. There are a few tracks in the southeast that aren't too expensive to rent. I know most regular policies exclude just about anything like that.
Thanks !
 
Mutual of SANTA CLAUS...
Expect that underwriting when you see the great snow man in Death Valley.
Sorry, doesn't exist.
 
Most organizations such as NASA, PASA ,and SCCA carry track insurance for "Performance Driving schools" As long as the event is billed as that you are covered. If it is billed as a competition then all bets are off and the cars are not covered. This has been my experience
 
GTinmyblood...
pls explain, you mean if I wreck my ride I'm insured by SCCA, NASA, etc?
Or does it mean they have liability insurance that protects them?
 
 
 
Team Jeff said:
http://www.snellingswalters.com/motorSport/index.php
Click to expand...

Temporarily not Accepting New Clients
Please check back later.
 
Team J
I stand corrected, I assumed that the educational programs where no longer covered.
Obviously, there is some coverage for driving schools. I'll eat my humble pie now :)
Cheers,
daniel
 
Read your own policy very, very carefully. Some exclude any type of track event, including driving schools.

Thus supplemental coverage is an option. But as posted only if non-competitive such as driving schools generally with some type of classroom sessions.

Open track days are problematic as very often passing is allowed anywhere which means its competitive and racing.

Dave:cheers
 
another great post by Da Baron :)
 
bony said:
GTinmyblood...
pls explain, you mean if I wreck my ride I'm insured by SCCA, NASA, etc?
Or does it mean they have liability insurance that protects them?
Click to expand...

My understanding from having particpated in tboth NASA and PASA events in the past was that they had insurance that
1. Covered them in the event of a liability
2. Covered the members in the event of a liability
3. Did not cover cars damaged in competition events
4. They had worked with major insurers to explicitly define "performance driving program" so that your car would be covered in the event of an accident during that performance driving class.

Always there is a fine line between "track event", "Performance driving school", and "Competition event".

Always read the fine print in your policy.

Never gamble what you are not willing to lose.

PASA also had a damage pay policy that read "He who causes the accident pays for the damage to other members vehicles if not covered by insurance.

A good general liability policy is ALWAYS a good idea.
 
I requested from my carrier a letter outlining the guidelines of "accepted driving events". At the end what they sent surmounted to being. If your not actively being scored as a event ... IE 1st, 2nd, 3rd. and its a "training event" read that as instructors available to ride in the car. Then I am covered like I am on the street. But they where very direct that my passenger would not be. But my personal umbrella covers them. The instructor would be covered under event insurance.

I bet if you ask your carrier for a letter of specification ... they can get you one.

S
 
Simple Rule of Thumb....If you cant afford to fix it, then do not take it to the track. Unexplained things happen.
 
steve592 said:
I requested from my carrier a letter outlining the guidelines of "accepted driving events". At the end what they sent surmounted to being. If your not actively being scored as a event ... IE 1st, 2nd, 3rd. and its a "training event" read that as instructors available to ride in the car. Then I am covered like I am on the street. But they where very direct that my passenger would not be. But my personal umbrella covers them. The instructor would be covered under event insurance.

I bet if you ask your carrier for a letter of specification ... they can get you one.

S
Click to expand...

Steve

The events I go to at Watkins Glen no longer allows passengers in the car. Instructors can take passengers for rides but no one else. Each event and track is going to have a different set or rules and regulatrions in addition to the insurance companies.

Dave
 
agreed. at some tracks they allow a "parade lap" at the mid-day break. That was more what my comment was about. But each track owner sets their own rules as do the insurance companies. Better off to get a letter for clearance to know where you stand.

S
 
Be careful "checking" with your insurance company. I have heard of a few cases where coverage was dropped shortly after checked on DE event coverage.

Read and interpret your policy yourself. Don't risk what you're not willing to lose
 
John B said:
Be careful "checking" with your insurance company. I have heard of a few cases where coverage was dropped shortly after checked on DE event coverage.

Read and interpret your policy yourself. Don't risk what you're not willing to lose
Click to expand...

In line with John's comments it is not a bad idea to remove or mask license plates at DE's.

Dave
 
I have USAA for our 3 cars that are driven daily, in addition to the FGT. I called USAA to see what the coverage is for High Performance Driving Courses, and this is an excluded activity. They define activities that "challenge the speed or handling characteristics of a vehicle or improve or demonstrate driving skills", as exclusions to the policy. Is there a different policy or rider one could obtain for track days and HPDE? Despite all this I plan on continuing to track my car "judiciously" in a "country club" environment. Any damages from a shunt, i.e. a bunged up diffuser or front lip would be on my dime.
I am also in the process of acquiring a full on track car...a Caterham...not street legal, probably can't insure it, and it would cost a hell of lot less to fix a busted suspension component or blown motor.
 
First, i would never ask my insurance company anything. The perception of high performance car is tied into high risk.

Second, through CLUE all insurance companies share loss information.
If I was covered on the track and I'm not I would file a claim.

I need to be insurable, as does every one of my employees and a condition of our binding.
 
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