Race car insurance-New Jersey
01-17-2007, 03:48 PM
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Race car insurance-New Jersey
Who write policies for "off the track", track car insurance? Cover the car while trailered and garaged? Most of the common vendors exclude NJ 
01-17-2007, 04:10 PM
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A common question.
I use Laurel for on track, but the problem is off track and in the trailer.
Is the car registered? Mine is not, but AMICA sold me collision and comprehensive anyway. I feel as though I am overpaying (not a lot of collision risk since car is never driven off the track except in the paddock and on repair plates to the mechanic's, and that's only about 3 miles).
Hope this helps.
I use Laurel for on track, but the problem is off track and in the trailer.
Is the car registered? Mine is not, but AMICA sold me collision and comprehensive anyway. I feel as though I am overpaying (not a lot of collision risk since car is never driven off the track except in the paddock and on repair plates to the mechanic's, and that's only about 3 miles).
Hope this helps.
01-17-2007, 04:57 PM
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http://www.parishheacock.com/quickqu...p?CarType=Race
They coverage is 'off-key', i.e. paddock, trailer, and garage when the car is not operating under it's own power. If the motor is running you are not covered (except if you were in the process of driving it onto your trailer).
My policy:
1983 Porsche 911 valued at $40K - $400 annually
2006 Factrory Five Challenge Cobra valued at $25K - $250 annually
Minimum policy price is $250, so claim at least $25K in value if you use them.
They coverage is 'off-key', i.e. paddock, trailer, and garage when the car is not operating under it's own power. If the motor is running you are not covered (except if you were in the process of driving it onto your trailer).
My policy:
1983 Porsche 911 valued at $40K - $400 annually
2006 Factrory Five Challenge Cobra valued at $25K - $250 annually
Minimum policy price is $250, so claim at least $25K in value if you use them.
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01-17-2007, 05:39 PM
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Originally Posted by John Veninger
Parish doesn't cover NJ.
I got a quote from them a couple of weeks ago. My NJ address is on the coverletter.
Nader
01-17-2007, 05:56 PM
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A quick check of their site indicates that NJ and MA are not listed, and thus I assume not available.
For fun (!) I checked the premium in NH and ME (I live in MA but have a cottage in ME) and it was $250 for a $40k value car. I did not look further, but that was for comprehensice, collision, and $50k of liability; that premiumis stunningly low. It is for the race car product but I doubt it offers coverage on the track; if it did, I am moving to ME!
For fun (!) I checked the premium in NH and ME (I live in MA but have a cottage in ME) and it was $250 for a $40k value car. I did not look further, but that was for comprehensice, collision, and $50k of liability; that premiumis stunningly low. It is for the race car product but I doubt it offers coverage on the track; if it did, I am moving to ME!
01-17-2007, 06:42 PM
#11
I have a policy through Allstate and although I live in the beautiful state of Virginia 
it still only cost me $56 every 6 months.
Of course I have 4 additional cars, my house, my rental house and my business property insurred with them as well...
it still only cost me $56 every 6 months.Of course I have 4 additional cars, my house, my rental house and my business property insurred with them as well...
02-02-2007, 05:33 PM
#13
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I just mailed in my Heacock application on Monday (CT). Pretty cheap and at least I'm covered if my baby is stolen or hurt while not on track.
