I need Track Insurance for a few weekends this summer. I'm not talking about when you have State Farm and they cover the first incident and then drop you. What I need is a separate policy that covers me a specified number of track events per year that is not associated to my regular auto insurance. I know it exist because I have met a few guys at the track you have gotten it but I can’t remember the name of the companies. Can someone please provide with some names? Thanks!

 

My Uncle has insurance for his drag bike through Lloyds of London. Not cheap though.

 

American Collector's Insurance will insure you during "Driver's Ed" events.

http://www.americancollectorsins.com/de_quali.htm

 

From that website....

Not driven by anyone with less than 10 years driving experience during a Driver’s Ed event

Geez, at that point...you think you would have things sorted by then.

James

 

Chances are most people having less than 10 years of driving experience (<26 y/o) fit into one of these groups:

1. Drive an expensive car which you cannot afford to track.
2. Drive a beater car which you can afford to track, but is not worth cost of insurance.

Neither of which would require track insurance...

 

How about the old tried and true method of loading up the car on a trailer with all the broken bits and pushing it into a ditch far from the track late at night? "I was driving along and a kitten ran into the road.... I had to swerve.... oh the horror... Is the kitty OK?... have you seen it?..."

But seriously, I'm pretty sure true race insurance runs about 10% of the value you state per event. Usually you just insure the piece you can't fix. Like the bare shell of the car or "tub" then hang the parts that survived the crash on a new one.

 

jgrewe has the idea. If you are going to drive your street car on the track then I would not give that info to my full coverage insurer. Most companies cover the "drivers ed" type events if they are not timed. Personally I don't drive my street car at track events for this and other safety reasons. If your going to do it keep it low key when talking to your insurer. Race car insurance usually runs $5000 to $10000 per event. for a driver's ed type car this would not be a good fiscal decision. for the $5000 you could rent a real race car for 2 maybe 3 events and leave the street car in the paddock.

 

If you are just doing open track days, you probably don't need "true race insurance". The ACI site I mentioned above charges a premium of 1.5% vehicle value per year. That seems pretty reasonable if you are worried about wrecking your car.

 

I would definitely check that with your insurer (call a different agency and don't give them your name). This policy has changed severly in the last few years. Many companies will not cover an accident that happens at a track facility regardless of whether the event was timed or not. This would include an auto-X course, drivers ed, or even just a parade lap.

YMMV, but I know that several of the big carriers that have this policy.

As for the "tow it outside and into a ditch" approach - that gets you for both filing a false police report as well as insurance fraud. each of which are major offenses. If you are caught, you would end up losing a whole lot more than just the cost of your car.

-bill