JayinToronto

Looking for some help with this.
At the UCR DE events was told that my regular policy covers me. True?
How about for other events such as DriveTeq (EA/Sieya)?
If anyone has a recommendation for a good agent around Toronto to discuss all this with I'd be grateful.
Also, if anyone has any personal experiences to share I'd love to hear them.
Thanks!

993GT

Far as I know/researched, as long as it is not a timed event/competitive, such as DE event or lapping day(which are covered) , it is fully covered under regular insurance

Turbodan

Try PIB, they will cover you on track. With regular insurance, if you can prove it is not a speed contest (PCA takes steps to assure this) and you are learning you should be covered.

crooster

Whether your regular policy covers DE's is a bit of a gray area. That's why I consider my DE car "disposable".

rreindl

I called my insurer (Meloche Monnex- TD insurance) to inquire about insurance at drivers education events for my Porsche 997. Just for asking, they doubled my premiums. I had to send them a signed letter verifying that the car will never be used on a track to get my original coverage and premium back.

DHI

DE coverage is a big grey zone.
Not only on the notion of contest, timing or speed, but also on that of aggravation of risk, meaning that did one disclose he would be using the car on a race track at high speeds. Adding belts, track pads, R compound tires and roll bar to a car can also be used against the claimant as undeclared modifications to a car.
Jurisprudence is much stronger in Ontario than it is in Quebec when it comes to supporting the DE claims.

Torontoworker

This is NOT universally true and you need to go through your policy to see if there are any exceptions listed in your documentation.

This issue has been discussed here before...

https://rennlist.com/forums/rennlist...the-track.html

JayinToronto

That was a great thread. Thank you very much for the link! I'm going to have my policy reviewed to see if there are any specific exclusions, but from that thread it looks like I'm all good as long as I stick with well organized DE events. The responses are all much appreciated!

Brian 162

^^^^^^^ What he said.

DRPM

Based on the "grey" areas (i.e. denial of coverage) experienced by fellow RSR members in the past few years, I would suggest you provide your insurance broker with the information regarding the track event you wish to attend in writing and to ask them to confirm your coverage is in full effect.

Search is your friend.

Mike_UCR

I wrote off my 996 last year at a DE event. My broker asked a few questions trying to zero in on whether or not it was "racing". I satisfied her that it was not timed, there was not a specific number of laps, no start/finish line, no random passing etc. They covered me 100% without any increase to my policy renewal.

From what I understand, they can have whatever language & restrictions they want in a policy but it is the Insurance Act that overrides all else.

Turbodan

the policy wording comes from the insurance act. they can ask you to sign a separate waiver, which is why you should not ask before.

Torontoworker

+1!

PbPedis

Just got a new car last month. They went through the standard list of questions including asking if I was going to track it and when I said yes, they told me they would not insure me (not even for the street) if I had any intention on tracking it.

JayinToronto

Can I ask you what company that was?