[togatown]

My insurance policy has a specific exclusion in it against damage while being driven on a racetrack.
What do all of you that track your car have for coverage in case you crash? Are there companies that will actually allow this or are you just SOL?

[achien]

you are dreaming...

[togatown]

Originally Posted by achien

you are dreaming...

I'm sorry but I asked an honest question, not surprised that I got an answer like that on this forum.

[sappersix]

I use these guys. Never had to use the policy, so I can't speak to their policy service.

http://hpdeinsuranceprogram.com/

[Maestro]

I am not personally aware of any regular car insurance which would cover you outside of normal daily driving activities. If I remember correctly my current insurance is null and void in event of a nuclear attack so they definitely will not cover for racing

However, I have an antique truck and when I use to drive it and had insurance on it, I had special classic/antique car insurance and it pretty much covered me for anything and everything. I even pity the poor person who would ever hit me since my insurance allowed me to return the truck to the condition prior to the accident pretty much no matter the costs were and it was at my discretion.

Anyway, I do not race, but I would imagine there is racer's insurance, it is probably pretty expensive but if you are willing to pay you can get coverage.

[968tomr]

http://bmwcca.org/forum/archive/index.php/t-4709.html

You can buy insurance for a single event or for a season. Rates depend on car value.

-Tom

[togatown]

Thanks for the sincere replies!

[FoShizzle]

Cool stuff. Never knew you could get track insurrance.
$375 a day tho.

[mid-corner fun]

Originally Posted by FoShizzle

Cool stuff. Never knew you could get track insurrance.
$375 a day tho.

I don't know about the others but Lockton is per event, not per day. The rate is reasonable for a 2 or 3-day event.

[dyezak]

Or you could just light it on fire and in Toyota spirit claim the cigarette lighter activated by itself and burned your car down in your driveway...

[e90pilot]

Originally Posted by dyezak

Or you could just light it on fire and in Toyota spirit claim the cigarette lighter activated by itself and burned your car down in your driveway...

I'm liking this idea... Lol!

[mid-corner fun]

Originally Posted by dyezak

Or you could just light it on fire and in Toyota spirit claim the cigarette lighter activated by itself and burned your car down in your driveway...

You'd need a friend with a trailer or AAA's extended plan to tow you home first, not that I've given this any thought...

Seriously though, if you want peace of mind, the insurers above are the way to go.

[UltraRacer13]

I found it to be reasonably priced. You can state the value you want insured. I insured my car for $30,000 for a 2 day event for $200 in the past. Seemed fair. Get a copy of your full auto policy. I read mine cover to cover, it made no mention of exclusions for tracking, racing surface etc. Now if I did file a claim, I would guess they would drop me after paying it.

[968tomr]

Originally Posted by UltraRacer13

I found it to be reasonably priced. You can state the value you want insured. I insured my car for $30,000 for a 2 day event for $200 in the past. Seemed fair. Get a copy of your full auto policy. I read mine cover to cover, it made no mention of exclusions for tracking, racing surface etc. Now if I did file a claim, I would guess they would drop me after paying it.

I have been trying to get insurance companies to provide me with their "legaleze" documents so I can compare them, and most don't want to give it to me until I have given them my business.

I must say - if you get a chance, read these things. Your car is not covered for nuclear holocaust or civil unrest.

-Tom

[UltraRacer13]

Originally Posted by 968tomr

I have been trying to get insurance companies to provide me with their "legaleze" documents so I can compare them, and most don't want to give it to me until I have given them my business.

I must say - if you get a chance, read these things. Your car is not covered for nuclear holocaust or civil unrest.

-Tom

Nationwide. It is amazing. I asked my agent and they were confused. "What you want to read your entire policy??" I had to contact corporate and then they said it would take 2 weeks (which it did). They wouldn't email it, just snail it.

[Feffman]

Give Ryan Staub at Lockton-Affinity a call. You can find them at http://hpdeins.locktonaffinity.com/Default.aspx

Feff

[SilverII]

make sure bmw assist dont "phone home" first

[joots]

Lockton affinity

[ned.alford19]

Most generic insurance policies exclude race track driving. You could opt for specialized full auto insurance coverage that covers racing. Race car insurance, however, is pretty steep and generally does not cover auto and medical accidents that occur outside the race track.

[aus]

Lockton now offers packages for 6-12 events a year, with each even raning from 1-3 days.

[Outlaw 06]

Originally Posted by dave335eye

My insurance policy has a specific exclusion in it against damage while being driven on a racetrack.
What do all of you that track your car have for coverage in case you crash? Are there companies that will actually allow this or are you just SOL?

It completely depends on your state law and insurance carrier. I live in CT and my automobile insurance policy covers instructional events (club-sponsored HPDEs) but it doesn't cover timed or competitive events (autocross, or any type of racing). Check the wording of your policy carefully.

[Express]

no personal auto policy sold in the US includes track coverage.

if you are illegally racing on the street and total your car, you are COVERED.

if you are racing legally on the track, you are not covered.

if your 9 year old brother or sister is driving because you are too drunk, covered.

weird huh?