Posted: 10/13/2010 4:35:24 AM EDT
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How does track insurance work? Recommendations on companies that offer it? If you've had a claim, did they pay? How do they evaluate price of car? Policy cost? etc etc.... |
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I don't know about cages (4-wheelers, cars, man) but my insurance company covers accidents which occur when you are "attending a motorcycle safety class" and since the track is rented by a safety instruction team for our track days, I'm covered.
You may be able to work a similar angle. |
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Quoted: Most of the regular auto policies don't cover timed events. Most of the events I attend current aren't timed except autox, but really not much danger of damage. I want to do some TT or HPDE events next year and since they are timed it wouldn't be covered. NASA HDPE ('cept maybe 4 - transponders?, If so I don't think they're recorded) and most other "track day" events arent timed. TT and wheel-to-wheel, you need specialty carrier. I've never bothered. Key-on insurance is pretty much cost-ineffective (and as above pretty arbitrary on pay out). If you cant afford to wreck your ride - don't race. Liability is strictly yours once on the track - even if some bone head crushes you. Well you can go the civil route... Buy a cheaper dedicated "race car" Stuff it full of safety gear - the good stuff. ETA Something like this works and isnt stupid expensive.  Its cheaper than on track insurance. Find a good coach. Have fun. |
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Quoted:
Most of the regular auto policies don't cover timed events. Most of the events I attend current aren't timed except autox, but really not much danger of damage. I want to do some TT or HPDE events next year and since they are timed it wouldn't be covered. You are correct/same with mine...times aren't posted, there is not winner, etc. but lap times are logged for instructional purposes. |