TJ993

Toronto may be different inclusions exclusions versus NY or other states.
Re Value, the basic $ Value Offered by a Hagerty's Brokerage I refused.
The brokerage / agent then Counter Offered their Mid value for 993 (FYI).

All kinds of restrictions and lots a questions ie:
Second vehicle insured yearly with different ins. provider is required to obtain a Policy.
No DE events what so ever
Parking rules > facility requirements etc etc
Cost for annual policy $820 cdn so deduct 33% = US cost using my buck $547.
I am still shopping currently cuz I hate to telephone mommy for permission to take the car for a drive.
Its in my name Not Hers / Not Their's
TJ

pp000830

I would think only if one makes a claim based on omitted use and receives something of value.

ezinternet

Stated value is not the same as Agreed value ... Stated value, depending on the language in the policy can be the lesser of actual cash or stated value, and is usually designed to let you set a lower value to pay a lower premium.

https://www.lelandwest.com/stated-va...-insurance.cfm

centerpunch

My carrier has recently added the following wording to their auto policies- no coverage of any kind (liability, medical, comp or collision) "on a racetrack, test track, or other course of any kind."

I'd say that would include DE, autocross, parade laps, and anything else!

I retired from track stuff many years ago so it doesn't affect me, but I'd suggest everyone read their current policy in detail before assuming you are covered in these events.