| Author |
Message |
acw (Acw)
Junior Member
Username: Acw
Post Number: 73
Registered: 2-2002
| | Posted on Wednesday, July 24, 2002 - 3:50 pm: | |
Frank, unfortunately, unless this is a California only change, next time your policy will be renewed, you'll see a new paragraph (exclusion 10). The actual text is (interesting part in bold):
"Also in this part, we have added exclusion 10. Specifying that the policy does not provide liability coverage for bodily injury or property damage arising out of the participation in any racing or speed contest or when using the insured vehicle at a track or a course designed for racing"
And then:
Exclusion 14: "...we will not provide coverage under this part for loss to your auto arising out of the participation in any racing or speed contest; <b>when using using the insured vehicle at a track or course designed for racing</b>; or in practice or preparation for any use of this type"
I'm still following all the leads that this board provided. Unfortunately, all the insurance companies I called don't openly claim they cover track days, although some don't have precise exclusion language in their contracts.
By the way, many thanks for the answers!
ACW
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Frank Parker (Parkerfe)
Intermediate Member
Username: Parkerfe
Post Number: 1118
Registered: 9-2001
| | Posted on Wednesday, July 24, 2002 - 1:42 pm: | |
My Allstate policy will cover track events as long as it's not an event of "...speed or time..." . |
todd a tiede (Apex)
New member
Username: Apex
Post Number: 2
Registered: 7-2002
| | Posted on Wednesday, July 24, 2002 - 1:01 pm: | |
Most ins companies exclude only 'competitive or timed events'. The slippery hands people (ALLSTATE) and GEICO the exceptions I have found. |
Becker Cu�llar (Becker)
New member
Username: Becker
Post Number: 43
Registered: 2-2001
| | Posted on Wednesday, July 24, 2002 - 11:53 am: | |
I know of somebody that totalled a 328 on a DE and had Chubb I was told it took over two months to get it settled but they eventually paid. They may not take you again if you make a habit out of this would be my guess.
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djmonk (Davem)
Junior Member
Username: Davem
Post Number: 62
Registered: 1-2002
| | Posted on Tuesday, July 23, 2002 - 9:35 pm: | |
Russell Same thing happenned to me with Allstate listed my Mondial as a 308 no such car as a Mondial they told me! |
Michael N. (Man90tr)
Member
Username: Man90tr
Post Number: 596
Registered: 4-2001
| | Posted on Tuesday, July 23, 2002 - 8:56 pm: | |
I have an insurance broker so it is possible the track insurance was by someone else. I have not talked directly with an insurance company for years. |
Steven J. Solomon (Solly)
Member
Username: Solly
Post Number: 336
Registered: 6-2001
| | Posted on Tuesday, July 23, 2002 - 8:47 pm: | |
I use Chubb too, but they told me track coverage is not available yet in NY. Has this changed? |
Michael N. (Man90tr)
Member
Username: Man90tr
Post Number: 595
Registered: 4-2001
| | Posted on Tuesday, July 23, 2002 - 7:26 pm: | |
I use Chubb. Fine so far, but then again haven't needed them yet either. No track coverage though -- they would do it but didnot seem worth the price. I do not track it, but if I did I would add it. |
russell rosenblum (Rosenblumr)
New member
Username: Rosenblumr
Post Number: 42
Registered: 6-2002
| | Posted on Tuesday, July 23, 2002 - 5:17 pm: | |
Oh, Sh*t I use allstate. Of ocurse they told me nothing. AS a matter of fact they told me the 360 did not exist I must own a 456, 550 or 355. I am still trying to straighten it out.
Does anybody have insurance they like in general for an F-car. |
Terry Springer (Tspringer)
Junior Member
Username: Tspringer
Post Number: 154
Registered: 4-2002
| | Posted on Tuesday, July 23, 2002 - 8:28 am: | |
Try Sentry Insurance. They covered me after a PCA on track incident. No hassles. |
acw (Acw)
Junior Member
Username: Acw
Post Number: 72
Registered: 2-2002
| | Posted on Tuesday, July 23, 2002 - 12:17 am: | |
I have just realized that my insurance company (allstate) no longer cover cars when used on a race track. My broker confirmed that if anything happens, I'm on my own.
Do you guys know an insurance company providing coverage for non competitive track events and track driving schools?
I'm aware of http://www.americancollectorsins.com/driversed.htm
but IMHO, it is a very bad deal (1.5% premium a year, 20% deductible, covers only your car)
Thanks
ACW |