HPDE1 Track Day Questions - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Imperius · 04-21-2014, 09:47 AM

Hello, I have signed in for a track day at Watkins Glen, NY on April 28th

Now I have a question about Insurance for track day, where to get one and how much it will cost me?

renfield90 · 04-21-2014, 10:02 AM

http://bit.ly/Pn4rTP

frslee · 04-21-2014, 10:02 AM

Did you check with your insurance company?

Imperius · 04-21-2014, 10:46 AM

Quick Quote 155usd for 1 event,

on top of membership 45usd and the event 325usd

dradernh · 04-21-2014, 10:59 AM

Yes, insuring your car for a track day costs a bit of money. Note that your premium would have covered you for April 28-29 if you were staying for both days. The 9-event package is where the per-day price really starts to drop.

Still, paying $155 in case your car is seriously damaged or totaled is not a bad deal compared to coming up with $25K or so to replace the car. Nevertheless, most drivers don't bother with it, and it's unusual for a car to sustain serious damage at a DE.

Imperius · 04-21-2014, 02:08 PM

Quote:

Originally Posted by dradernh

Yes, insuring your car for a track day costs a bit of money. Note that your premium would have covered you for April 28-29 if you were staying for both days. The 9-event package is where the per-day price really starts to drop.

Still, paying $155 in case your car is seriously damaged or totaled is not a bad deal compared to coming up with $25K or so to replace the car. Nevertheless, most drivers don't bother with it, and it's unusual for a car to sustain serious damage at a DE.

most drivers don't bother with it ? so you are saying most drivers don't have this insurance for track days?

amram · 04-21-2014, 02:09 PM

Heard someone say in another thread that their first few times on a new track they take the insurance because the chances are more likely then of making a mistake, then after a few times once they know the track well enough they stop. makes sense to me. of course there's nothing to stop the random event happening at any moment but that approach sounds reasonable.

Tt3Sheppard · 04-21-2014, 02:24 PM

I would say get the insurance or take it easy on the turns with little to no runoff.

Imperius · 04-21-2014, 02:44 PM

I'm going to be with an Instructor the whole track time each lap, so my guess is that the Instructor will know what to do in order to keep it safe for my first day.

ayau · 04-21-2014, 02:59 PM

Quote:

Originally Posted by amram

Heard someone say in another thread that their first few times on a new track they take the insurance because the chances are more likely then of making a mistake, then after a few times once they know the track well enough they stop. makes sense to me. of course there's nothing to stop the random event happening at any moment but that approach sounds reasonable.

On the other hand, the more comfortable you are at the track, the more likely you'll push the car harder and increase the risk of an accident. It goes both ways I guess.

ayau · 04-21-2014, 03:03 PM

Quote:

Originally Posted by Imperius

most drivers don't bother with it ? so you are saying most drivers don't have this insurance for track days?

Yeah, I believe most drivers don't buy insurance or know about it. Most insurance companies will not cover it. Most drivers would probably just tow the car out or drive it into the ditch outside of the race track and report it to their insurance company as an accident. Obviously that's fraud but that's a completely different scenario.

dradernh · 04-21-2014, 03:16 PM

Quote:

Originally Posted by Imperius

most drivers don't bother with it ? so you are saying most drivers don't have this insurance for track days?

That's the case at the events I attend.

Quote:

Originally Posted by Imperius

I'm going to be with an Instructor the whole track time each lap, so my guess is that the Instructor will know what to do in order to keep it safe for my first day.

Really, you should be fine in HPDE1; however, if you haven't been on a race track in a street car before, the insurance would certainly give you peace of mind.

Quote:

Originally Posted by ayau

Most drivers would probably just tow the car out or drive it into the ditch outside of the race track and report it to their insurance company as an accident. Obviously that's fraud but that's a completely different scenario.

I have a feeling those days are behind us; the companies seem to be aware of track days.

Scenic Driver · 04-21-2014, 04:49 PM

Personally, until I'm in a position where I can afford to replace my car if something happened, I get the insurance.

mav1178 · 04-21-2014, 05:19 PM

Quote:

Originally Posted by Imperius

Quick Quote 155usd for 1 event,

on top of membership 45usd and the event 325usd

It's about right.

It's the same as taking out hazard insurance against virtually any profession or activity that is high risk.

-alex

04-21-2014, 09:47 AM	#1
Imperius Member Join Date: Aug 2013 Drives: Subaru BRZ Location: NY Posts: 45 Thanks: 50 Thanked 3 Times in 3 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	HPDE1 Track Day Questions Hello, I have signed in for a track day at Watkins Glen, NY on April 28th Now I have a question about Insurance for track day, where to get one and how much it will cost me?

04-21-2014, 02:09 PM	#7
amram Senior Member Join Date: May 2012 Drives: 2013 FR-S AT Location: New Jersey Posts: 102 Thanks: 642 Thanked 27 Times in 22 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	Heard someone say in another thread that their first few times on a new track they take the insurance because the chances are more likely then of making a mistake, then after a few times once they know the track well enough they stop. makes sense to me. of course there's nothing to stop the random event happening at any moment but that approach sounds reasonable. __________________ "That's why I like the GT86 so much..... It's a car designed for one thing only: fun." - Jeremy Clarkson

04-21-2014, 04:49 PM	#13
Scenic Driver Senior Member Join Date: Feb 2013 Drives: 13 Subaru BRZ, 02 Audi TTQ Location: Orange County, NY Posts: 456 Thanks: 61 Thanked 321 Times in 168 Posts Mentioned: 7 Post(s) Tagged: 0 Thread(s)	Personally, until I'm in a position where I can afford to replace my car if something happened, I get the insurance. __________________

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04-21-2014, 10:02 AM	#2
renfield90 The Stig's German cousin Join Date: Mar 2013 Drives: 2013 FR-S Location: Tempe, AZ Posts: 1,066 Thanks: 140 Thanked 511 Times in 340 Posts Mentioned: 8 Post(s) Tagged: 2 Thread(s)	http://bit.ly/Pn4rTP

04-21-2014, 10:02 AM	#3
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04-21-2014, 10:46 AM	#4
Imperius Member Join Date: Aug 2013 Drives: Subaru BRZ Location: NY Posts: 45 Thanks: 50 Thanked 3 Times in 3 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Quick Quote 155usd for 1 event, on top of membership 45usd and the event 325usd

04-21-2014, 10:59 AM	#5
dradernh Senior Member Join Date: Feb 2014 Drives: Used to Drive:Grand-Am GS #54 E36M3 Location: So. OH Posts: 561 Thanks: 77 Thanked 237 Times in 163 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	Yes, insuring your car for a track day costs a bit of money. Note that your premium would have covered you for April 28-29 if you were staying for both days. The 9-event package is where the per-day price really starts to drop. Still, paying $155 in case your car is seriously damaged or totaled is not a bad deal compared to coming up with $25K or so to replace the car. Nevertheless, most drivers don't bother with it, and it's unusual for a car to sustain serious damage at a DE.

04-21-2014, 02:44 PM	#9
Imperius Member Join Date: Aug 2013 Drives: Subaru BRZ Location: NY Posts: 45 Thanks: 50 Thanked 3 Times in 3 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I'm going to be with an Instructor the whole track time each lap, so my guess is that the Instructor will know what to do in order to keep it safe for my first day.

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