Insurance for track days? - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Hanakuso · 06-22-2012, 01:53 PM

I am planning on tracking my car but wondering what are you guys doing for insurance on the track? My understanding is they do not cover anything on a closed circuit whether its timed or not. Any have recommendations for a good insurance company? I'm not sure if I should go through my regular carrier or go with a company that specializes in this.

7thgear · 06-22-2012, 01:56 PM

regular insurance will not cover you

if you tell your insurance company that "ohh hai i'll be going to a racetrack this weekend" there is a good chance they will cancel you on the spot

you can get track insurance through highly specialized organizations, but their cost are so high that it's not worth it unless you're driving a ferrari or something. Although i suggest you ask around since quotes for these things are very personal and depend on a lot of variables.

but the vast majority of people who go to track days understand fully that if you crash and break your car, it's on you.

welcome to the hobby

MTeator · 06-22-2012, 02:01 PM

Check with these guys:

http://hpdeins.locktonaffinity.com/Products.aspx

Less than 200 bucks for a weekend usually. Never used to buy it until I saw an instructor roll his own Porsche at Roebling Road. Now, yeah, worth it.

7thgear · 06-22-2012, 02:13 PM

god, you americans have the lowest prices on EVERYTHING

Hanakuso · 06-22-2012, 02:18 PM

Quote:

Originally Posted by 7thgear

regular insurance will not cover you

if you tell your insurance company that "ohh hai i'll be going to a racetrack this weekend" there is a good chance they will cancel you on the spot

you can get track insurance through highly specialized organizations, but their cost are so high that it's not worth it unless you're driving a ferrari or something. Although i suggest you ask around since quotes for these things are very personal and depend on a lot of variables.

but the vast majority of people who go to track days understand fully that if you crash and break your car, it's on you.

welcome to the hobby

I will ask my insurance provider if they cover track days just to give it a try. They can't cut me off for asking a question. I'm 99% they will say no but doesn't hurt trying

Quote:

Originally Posted by MTeator

Check with these guys:

http://hpdeins.locktonaffinity.com/Products.aspx

Less than 200 bucks for a weekend usually. Never used to buy it until I saw an instructor roll his own Porsche at Roebling Road. Now, yeah, worth it.

Thanks for the link. I'll let my father look it over to make sure all the terms and condition work for me. He's been doing insurance for decades

Dave-ROR · 06-22-2012, 02:19 PM

Quote:

Originally Posted by MTeator

Check with these guys:

http://hpdeins.locktonaffinity.com/Products.aspx

Less than 200 bucks for a weekend usually. Never used to buy it until I saw an instructor roll his own Porsche at Roebling Road. Now, yeah, worth it.

Great guys. You do have to go through events that they cover though, so that limits you from some of the.. uhmm.. less strict? groups. We (the group, not the students) went through an interview process, they checked out our rules, verified classroom, verified tech requirements, etc. Nothing tedious and I was happy they did so.

Hanakuso · 06-22-2012, 02:22 PM

Quote:

Originally Posted by Dave-ROR

Great guys. You do have to go through events that they cover though, so that limits you from some of the.. uhmm.. less strict? groups. We (the group, not the students) went through an interview process, they checked out our rules, verified classroom, verified tech requirements, etc. Nothing tedious and I was happy they did so.

I noticed they insure events held by speed ventures, which I participated in the past and thought they were ran pretty good.

Hanakuso · 06-22-2012, 03:03 PM

I've been looking through a few other forums for peoples experience with lockton and they seem to be legit. Couple people did have claims and they eventually did pay out.

The deductible seems high but not many other carriers to choose from and i'm guessing there deductible will be similiar

Lytheum · 06-23-2012, 02:37 AM

ive heard or people not getting renewed after asking about track days. they didnt get dropped on the spot, but when it came time to renew the insurance company may say no.

Feffman · 06-23-2012, 08:11 AM

I've worked with Lockton Affinity for a number of years and cover our track car with them for every event. Fortunately I've never made a claim.

MOst regualr car insurance companies have a clause or have added a clause reading "We will not pay for any incident on a racing surface".

Feff

BlaineWasHere · 06-23-2012, 11:15 AM

If you owe money on the car I would HIGHLY suggest track day insurance.

You'll be glad you paid the $200.

Brett · 06-23-2012, 11:12 PM

Quote:

Originally Posted by Hanakuso

I will ask my insurance provider if they cover track days just to give it a try. They can't cut me off for asking a question. I'm 99% they will say no but doesn't hurt trying

You can also just read your policy.

track_warrior · 06-23-2012, 11:16 PM

A guy crashed damaged his NC miata front bumper and hood at my local track, they towed him outside and put his car in a ditch. Insurance paid for it.... Im not saying you should do it but its been done before.

Hanakuso · 06-23-2012, 11:17 PM

Quote:

Originally Posted by Brett

You can also just read your policy.

It's basically in a different language.

06-22-2012, 01:53 PM	#1
Hanakuso Senior Member Join Date: Apr 2012 Drives: FR-S Location: California Posts: 1,956 Thanks: 294 Thanked 673 Times in 390 Posts Mentioned: 11 Post(s) Tagged: 2 Thread(s)	Insurance for track days? I am planning on tracking my car but wondering what are you guys doing for insurance on the track? My understanding is they do not cover anything on a closed circuit whether its timed or not. Any have recommendations for a good insurance company? I'm not sure if I should go through my regular carrier or go with a company that specializes in this.

06-22-2012, 01:56 PM	#2
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	regular insurance will not cover you if you tell your insurance company that "ohh hai i'll be going to a racetrack this weekend" there is a good chance they will cancel you on the spot you can get track insurance through highly specialized organizations, but their cost are so high that it's not worth it unless you're driving a ferrari or something. Although i suggest you ask around since quotes for these things are very personal and depend on a lot of variables. but the vast majority of people who go to track days understand fully that if you crash and break your car, it's on you. welcome to the hobby __________________ don't you think if I was wrong, I'd know it?

06-22-2012, 02:01 PM	#3
MTeator First 86 Join Date: May 2012 Drives: 2013 Scion FR-S Location: Lexington, KY Posts: 303 Thanks: 14 Thanked 98 Times in 56 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Check with these guys: http://hpdeins.locktonaffinity.com/Products.aspx Less than 200 bucks for a weekend usually. Never used to buy it until I saw an instructor roll his own Porsche at Roebling Road. Now, yeah, worth it. __________________ Scion First 86 in Lexington KY - Firestorm 6MT - Delivered May 17, 2012 Mods: Motegi 17x7 TrakLites, BFG Rivals, K&N 33-2300 Filter, Nameless Perf. Track Pipe, TRD springs & rear bar, Hotchkis front bar (eh), Kask trailer hitch

06-22-2012, 02:13 PM	#4
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	god, you americans have the lowest prices on EVERYTHING __________________ don't you think if I was wrong, I'd know it?

06-23-2012, 02:37 AM	#9
Lytheum Senior Member Join Date: Mar 2012 Drives: 2013 BRZ Premium 6MT Location: Ohio Posts: 427 Thanks: 49 Thanked 103 Times in 54 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	ive heard or people not getting renewed after asking about track days. they didnt get dropped on the spot, but when it came time to renew the insurance company may say no. __________________ 2013 Subaru BRZ Premium 6MT -STOCK!

06-22-2012, 03:03 PM	#8
Hanakuso Senior Member Join Date: Apr 2012 Drives: FR-S Location: California Posts: 1,956 Thanks: 294 Thanked 673 Times in 390 Posts Mentioned: 11 Post(s) Tagged: 2 Thread(s)	I've been looking through a few other forums for peoples experience with lockton and they seem to be legit. Couple people did have claims and they eventually did pay out. The deductible seems high but not many other carriers to choose from and i'm guessing there deductible will be similiar

06-23-2012, 08:11 AM	#10
Feffman Banned Join Date: Jun 2012 Drives: None Location: Gateway To The West Posts: 54 Thanks: 0 Thanked 10 Times in 9 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I've worked with Lockton Affinity for a number of years and cover our track car with them for every event. Fortunately I've never made a claim. MOst regualr car insurance companies have a clause or have added a clause reading "We will not pay for any incident on a racing surface". Feff

06-23-2012, 11:15 AM	#11
BlaineWasHere Grip>Drift Join Date: Jun 2012 Drives: FRS Location: NorCal Posts: 3,472 Thanks: 782 Thanked 1,749 Times in 918 Posts Mentioned: 53 Post(s) Tagged: 2 Thread(s)	If you owe money on the car I would HIGHLY suggest track day insurance. You'll be glad you paid the $200.

06-23-2012, 11:16 PM	#13
track_warrior Track Junkie Join Date: Mar 2012 Drives: Faster than the Stig! Location: TX Posts: 1,338 Thanks: 530 Thanked 770 Times in 363 Posts Mentioned: 10 Post(s) Tagged: 0 Thread(s)	A guy crashed damaged his NC miata front bumper and hood at my local track, they towed him outside and put his car in a ditch. Insurance paid for it.... Im not saying you should do it but its been done before. __________________ Compensating a heavy car with horsepower is like giving an alcoholic cocaine to sober him up...

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