On the track?
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3rd Gear
Joined: Aug 2013
Posts: 207
Likes: 1
From: Long Island, NY
Hi all, a friend at work asked me if I would be interested in renting track time with him an a few friends. Sounds like much fun, but started thinking about car insurance and wrecking my car in the track. I'm guessing most insurance companies won't pay out if you wreck on a track? I know some of you here , do occasional track days. Do you buy additional insurance or do you just take your chances? Although I have modified my couoe, I am still paying off the loan. Wrecking it on a track and not having insurance pay to get it fixed would definitely suck
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Good question. I know that my policy specifically forbids any track or competition driving. Here's what it says:
Any vehicle while participating in any prearranged, organized, or spontaneous:
a. racing contest, speed contest, demolition, stunt activity, or competitive driving event, or in practice or preparation for any such contest or use of this type; or
b. use of a vehicle at a facility designed for racing or high performance driving unless such use is for an activity other than high performance driving, high speed driving, and other than those activities listed in 3.a. above.
Any vehicle while participating in any prearranged, organized, or spontaneous:
a. racing contest, speed contest, demolition, stunt activity, or competitive driving event, or in practice or preparation for any such contest or use of this type; or
b. use of a vehicle at a facility designed for racing or high performance driving unless such use is for an activity other than high performance driving, high speed driving, and other than those activities listed in 3.a. above.
Last edited by cerenkov; Feb 21, 2015 at 07:09 AM.
6th Gear
Joined: Aug 2011
Posts: 2,064
Likes: 15
From: Silly-con Valley
Read your insurance policy carefully. Almost all will deny coverage if you're in a competitive event; most will if you're on a race track; a few will actually cover you.
There are outfits that will insure you on the track, but I think the main focus is on liability for other peoples' cars and the track (walls, etc.) and not so much on coverage for your own car.
The general rule is not to take a car on the track that you can't afford to walk away from.
There are outfits that will insure you on the track, but I think the main focus is on liability for other peoples' cars and the track (walls, etc.) and not so much on coverage for your own car.
The general rule is not to take a car on the track that you can't afford to walk away from.
Read your insurance policy carefully. Almost all will deny coverage if you're in a competitive event; most will if you're on a race track; a few will actually cover you.
There are outfits that will insure you on the track, but I think the main focus is on liability for other peoples' cars and the track (walls, etc.) and not so much on coverage for your own car.
The general rule is not to take a car on the track that you can't afford to walk away from.
There are outfits that will insure you on the track, but I think the main focus is on liability for other peoples' cars and the track (walls, etc.) and not so much on coverage for your own car.
The general rule is not to take a car on the track that you can't afford to walk away from.
Insurance policy disclaimers vary by state, and by company. The last I check, Liberty Mutual's BMW CCA sponsored policy explicitly included Driving Education (DE) coverage, as long as there was no timing or racing involved (never is at BMW CCA DEs).
If all else fails, you can by standalone HPDE insurance.
https://www.bmwcca.org/membershipbenefits/discounts
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