I'm looking forward to Lime Rock in about a week with my local P-club. This will be my 4th two day event over the last few years. I'm satisified to be in the Green/Novice run group. I recently reviewed my Allstate policy and found the following paragraph:

"We will not pay for any damages an insured person is legally obligated to pay because of:
c. use of an auto at a track or course designed or used for racing or high performance driving;"

I get a 10% discount on track day insurance through PCA at Locton Affinity. Here are my choices:

$25,000 worth of coverage for $159
$50,000 $307
$80,000 $489

Any advice on which choice to make would be appreciated!

 

Tag... I'm in the same boat with Allstate and I intend to do a few DE's this year.

 

lockton is easiest and mostly on par with other smaller firms i've researched. get a multi- plan, for my '06 C2S (agreed val = 51000) i pay about $240 per event over 9 events.

 

I've used this PCA insurance a couple times --- no claims so far but I had heard positive response from others who had claims, seems like a good outfit for the purpose. DE Insurance is like any other insurance, it is really for peace of mind so it is a personal decision as to how much you want to cover. I've sinced decided to "self insure" as I know my driving style and run group partners well. But upon my first couple DE's at a new track, I used it at about 70% replacement cost. Looking back I may have been over insured.

 

It is rather difficult to damage a car in a DE event, so I never buy extra insurance. It is a a controlled environment, instructor by your side and certainly safer than driving on the street.

 

it's not you it's the other drivers you're insuring against..... ;-)

 

Remember that you might also liable for damage to track facilities (walls, armco, trees, whatever) should you crash. I know that this is true at the Porsche School given at the Barber Track in Birmingham, AL

 

But you don't run with or against other cars in a typical DE event.

 

.....

This I know: I have participated in 8 to date and will be attending the PCA DE Instructor School as a Student Instructor in 3 weeks........have you ever been flat out in 3rd and crested a blind rise to be confronted by a car that has pulled up to a standstill mid track to rubber neck a Vette in the wall? (turn 4 Barber Motorsport Park) or had someone take the inside line in a turn where there is passing only on the straights with a distinct point-by? (turn 15, BMP) .......it's not necessarily you that's at fault. You may be fully in control of your car, others may not be.

 

I have Travelers, no exclusion clause for high performance driving events. Next time you renew, look into switching.

 

I have Allstate and my policies don't have an exclusion. they paid for a substantial repair to my old 996 after I brushed a tire wall at a track event. I'm looking into track insurance on the 997 though - I don't think they would be as accommodating a second time.

 

Anybody know about Canadian track insurers?

 

Not really. At SEARS Point you routinely see cars going in the walls. Laguna Seca also has such a history. three years ago a buddy of mine destroyed his car right in front of me. I even saw an instructor put his car in the wall at Thunderhill, which is normally a super safe track.

So don't be so sure about the "controlled environment" and don't forget: you won't always have an instructor next to you.

Let me see, in 40+ track days I have so far personally seen 4 cars either totaled or severely damaged. 3 of them driven by very experienced drivers, one by a rookie. (And I am not counting the F430 which spontaneously caught fire while lined up on the grid in SEARS point ;-)

 

You might be right since one can't count on other driver's skills and experience.

 

If you under-insure the car at say $50k and really badly damage it or total it and Locton pays the full $50k, who gets the trashed car? Can you then keep the car for scarp or parts?