Insurance Coverage for DE Days

Tcrate · 09-26-2012, 11:07 AM

My insurance carrier does not cover accidents on track during DE days. I wanted to find out what insurance companies do cover incidents on DE Days. Not talking about racing or timed events, just PCA type Driver Education.

Who are you getting your coverage from who covers these types of events? Thanks.

Fondueski · Fondueski's Garage

I believe in most cases, this kind of insurance comes via the event organizer - not something you can get as an individual. Maybe the rates are somewhat dependent upon the specific organization's risk profile based upon driver behavior policies, education, etc. I've seen some PCA regions or maybe even national advertise it in the past.

Tcrate · 09-26-2012, 12:10 PM

I know you can get separate insurance through Lockton Affinity on an event by event basis or you can purchase a package of say 6 events in a year. The issue is this is quite costly, for example it is another $87 for me per event. Whereas I was told that there are carriers that will insure your car and it includes the DE events. That is what I am trying to look for. The Porsche clubs in my area do not provide insurance coverage.

racer · 09-26-2012, 05:42 PM

Depends on your state and its Auto Ins laws.. Read the fine print of any policy. Most companies, due to the popularity of DE type events, have put in clauses about being at "facilities for speed" etc... to cut down on their losses.

ON the plus side, a 944 is pretty much a "throw away" car should you have an impact. Be sure to read even the Lockton rules about deductible and payouts. IIRC(and it was a few years ago), they wouldn't even pay out until YOU paid about $5k.. on a $5k car!

$100/event IS cheap insurance if you are worried about totaling your car. its just another line item expense like tires, brakes, gas, helmet etc.

You could simply forgo insurance and "self insure" if you want. Many I am sure still do this.

DanS911 · DanS911's Garage

Quote:

Originally Posted by Fondueski

I believe in most cases, this kind of insurance comes via the event organizer - not something you can get as an individual. Maybe the rates are somewhat dependent upon the specific organization's risk profile based upon driver behavior policies, education, etc. I've seen some PCA regions or maybe even national advertise it in the past.

Whoa that is a dangerous statement. I do not know of any PCA Insurance program that applies to participants vehicles. Or any other event organizer for that matter.
In our area (South Fla) I also do not know of any regular Insurance program that still covers on track incidents. There was a gray period there for a while but most have now changed the wording to read that "off road" is not covered. That means you.

Lockton Affinity, or a similar company, has an excellent "stated value" program that can give you peace of mind. (no affiliation)
Read your policy but probably a bad idea to call your Insurance company and say "Hey I am planning on going to a race track and flogging my Porsche this weekend. If I wad it up in a wall or something you guys will pay right?"

matt f · 09-26-2012, 07:33 PM

State Farm in PA covers HPDE's. No timed events.

jhg41977 · jhg41977's Garage

Www.ontrackinsurance.com

Not cheap and there is a high deductible.

Pete R · Pete R's Garage

My insurance won't cover anything on a "closed course" That's why I don't bring anything to the track I can't walk away from.
But I'm curious who covers the armco or other track facility damage if you have an accident? I can afford to lose my car but I don't know how much armco and barrier I can buy

996TWINS · 09-27-2012, 08:51 AM

Quote:

Originally Posted by jhg41977

Www.ontrackinsurance.com

Not cheap and there is a high deductible.

I believe they do not cover timed events.

racer · 09-28-2012, 04:33 PM

Quote:

Originally Posted by Pete R

My insurance won't cover anything on a "closed course" That's why I don't bring anything to the track I can't walk away from.
But I'm curious who covers the armco or other track facility damage if you have an accident? I can afford to lose my car but I don't know how much armco and barrier I can buy

Um.. at most tracks.. YOU buy the armco. Depending on the club you run with, they may "front" the money so the event can continue (out of their own ins?).. but I believe its out of your pocket in the end.

Fondueski · Fondueski's Garage

Quote:

Originally Posted by DanS911

Whoa that is a dangerous statement. I do not know of any PCA Insurance program that applies to participants vehicles. Or any other event organizer for that matter.
In our area (South Fla) I also do not know of any regular Insurance program that still covers on track incidents. There was a gray period there for a while but most have now changed the wording to read that "off road" is not covered. That means you.

Lockton Affinity, or a similar company, has an excellent "stated value" program that can give you peace of mind. (no affiliation)
Read your policy but probably a bad idea to call your Insurance company and say "Hey I am planning on going to a race track and flogging my Porsche this weekend. If I wad it up in a wall or something you guys will pay right?"

Not dangerous at all. This thread and my statement have nothing to do with the insurance covering the event organizer/venue itself. That's a completely different subject.

After poking around, I found the PCA program that covers participant vehicles on track:

PCA - HPDE Insurance Program

You'll see that it's effectively 'through' the PCA/specific chapters as only specific events/chapters/venues are covered.

HarryD · 10-04-2012, 07:33 AM

Quote:

Originally Posted by matt f

State Farm in PA covers HPDE's. No timed events.

My SF policy used to cover me at DE but not Autocross and other timed events. A few years ago they rewrote the exclusions and now HPDE is excluded.

You may want to check to see if it changed if you haven't in the past few years.

matt f · 10-04-2012, 08:28 AM

Quote:

Originally Posted by HarryD

My SF policy used to cover me at DE but not Autocross and other timed events. A few years ago they rewrote the exclusions and now HPDE is excluded.

You may want to check to see if it changed if you haven't in the past few years.

Thank you Harry for the heads up. I put in a call to my agent and will relay the info via this thread.
Matt

Pete R · Pete R's Garage

Be carefull when you ask your insurance company. I was getting quotes and told them that I track the car but don't need track coverage. They were not going to let me insure the car at all, even for the road knowing I track it. If it had been my current provider I would have been dropped had they known that.

HarryD · 10-04-2012, 10:34 AM

Quote:

Be carefull when you ask your insurance company. I was getting quotes and told them that I track the car but don't need track coverage. They were not going to let me insure the car at all, even for the road knowing I track it. If it had been my current provider I would have been dropped had they known that.

I have seen this comment many times and it really bothers me. Insurance companies want full disclosure to judge risk but if they punish you for the honesty maybe you need a different carrier. After all, if they drop you for something like this what makes you think they will stand by you when the going gets tough n a real event?

HarryD · 10-04-2012, 10:37 AM

Also consider who is more likely to be a safe driver, the owner of a performance car who goes to the track or one who has had no driver training beyond what they did to get there license.

matt f · 10-05-2012, 07:09 AM

Quote:

Originally Posted by HarryD

My SF policy used to cover me at DE but not Autocross and other timed events. A few years ago they rewrote the exclusions and now HPDE is excluded.

You may want to check to see if it changed if you haven't in the past few years.

Harry, my SF agent got back to me. SF rescinded coverage approx. 2 years ago for any off road, on track events, timed or not.

Thank you again for the heads up.

Regards,
Matt