Is anyone aware of an insurance company that offers ontrack coverage??

 

Don't phrase it that way, ask them if they cover instructional driving events. That is what I had to do.

d

 

I do not want to engage in any word play, I just want some to be aware of exactly what I'm doing and offer coverage. http://www.americancollectorsins.com/de_policy.htm Maybe this company.

 

I think the question one has to ask is "will I take responsibility for my actions?"

If I wreck my car on track I expect to pay for it myself. If I cannot afford that then I have no business on track. Driving at speed is risky. I expect to assume that risk myself. I would not want to pay for the extra cost of track insurance and I don't want anyone else using their road insurance on track since it will raise my premiums.

Just my opinion.

 

I still say it depends on the Venue. If you go to a 'racing' school, then yes, you should be liable for your time on-track. However, if the event is truly driver's ed, and run as such, then, your insurance company should bear some of the brunt.

I can honestly say every school I have been a part of, or helped run, was run as such. We didn't tolerate anyone driving beyond their limits, running too close together, or people passing out of zone with no wave-by. We focused on the fundamentals, and we sent people packing if we felt they were a danger to themselves or anyone else at the event.

my .02.

 

I was under the impression that most auto insurance companies covered unless the event is "competitve or timed". Track time does not necessarily pause your coverage. Which makes sense to me. At the same time it's a bit general. If a skilled driver took an Evo out for a timed event it's well possible that it's abused less than a 17y/o driving dad's graduation gift home from the dealership.

 

I started a thread about this over at nasioc (impreza site) in the motorsports section. Read the fine print in your insurance policy to see if DE is covered. You have to be very careful of your wording. You will not be covered whenever you're being timed (time trials). My guess is insurance companies will ditch covering the use of vehicles for drivers ed in a few years because more people are using it as a loophole than a rule.

That said, there were two track day insurance companies found. One is the one listed above. The other is for PCA members only. I plan to contact both this week or next. I'll post if I find out anything worth posting. I think these run for about $300-$500 for a year plus a 20% deductible.

The other option is full race insurance which is about $1k per weekend and a deductible of 20% agreed value of vehicle (obviously not worth it).

 

bump.

I'm like howie: I don't want to use loopholes in my regular auto policy.

But the company linked above is apparently not licensed in Texas, so I'm SOL for now.

That guy who ranted about "personal responsibility" is an idiot. Just my opinion.

 

http://www.americancollectorsins.com/de_policy.htm Has anyone spoken to them??

 

American collectors is not worth it unless you total the car, and even then you are paying 20% deductable of declared value. Better to sock away 5000.00 or so for a "rainy day track shunt " fund


Percy

 

"The EVO is not a collector car. No coverage available."

 

i know most insurance company voids track accident coverage.

especially the smaller companies and even states farm from this board.

just have to make sure you don't use your real name.