Track Insurance
 

Tried a search - must be the new forum format :D I was looking over my insurance policy and noticed that there wasn't a clause regarding track-days. Would a certain policy from a company with initials A, A, and A cover such a tragedy if it were to occur (hypothetically, of course).

No, It will not.

I have heard anecdotally that some insurance companies will cover a track accident ONCE and then tell the insured that his coverage will be dropped if it happens again.

The general rule of thumb:
If you can't afford to drive it off a cliff, you "shouldn't" track it

That said, there is a solution to driving your "nice" car on track:
http://www.americancollectorsins.com/de_quali.htm

Yea, the "cliff" advice is for real. A lot of race cars are junk in about 6 seconds or less. Another reason to trailer your car to the track. Call your insurance agent, I think some of the DE events may be covered. It's worth a call.

Yeah, some insurance companies cover it, some don't. You could always be nonspecific with them on the phone too... "Yes, I had a single car accident on private property... no police report"

Also depends on what state you are in. National insurance companies have different provisions for each state (Geico for example, not that I would insure with them...will cover HPDE in NC but not in CA).

I've heard quite a few stories over the years where someone was tracking their street car and wrecked it. They then take the car and chuck it into a ditch somewhere and call their insurance company to report narrowly missing a deer late at night...

A friend of mine wrecked his cobra not too long ago but had an "understanding" agent who covered it - but warned him it would never happen again.

Actually what I've heard is it depends on the event. If the event is a "driving school" it's covered. If it's open door to door racing, you're screwed. Most track days are limited passing areas, etc and with enough stretching of the truth, the insurance companies will pay. Of course it wouldn't hurt to get in tight with the track officials.