03-02-2016, 09:59 AM | #1 |
Drives: 2010 1SS RS M6 Join Date: Jan 2015
Location: Appleton, Wisconsin
Posts: 521
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HPDE insurance ?
I'm planning my first track day this April at road America , I was wondering , do insurance companies offer insurance for your car if you eff it up? I know I need to call my agent, but I don't want to raise any red flags if it's going to mess up my regular insurance. I saw for one event at road amarica this year insurance was offered for 600 for the day. I'm hoping its a lot cheaper elsewhere . Any one have experience with this? What's covered? Deductible? Ect.? Thanks in advance
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Vararam intake, gmpp exhaust, borla stainless long tubes, cat less, jannetty tune, bmr lowering springs, heritage grill , smoked lenses
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03-02-2016, 10:12 AM | #2 |
Drives: 2014 2SS/RS VERT Join Date: Mar 2015
Location: Idaho
Posts: 454
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Yeah, I looked into that on a Corvette I was tracking years ago. They actually do offer special coverage, but it was crazy expensive and they said my regular insurance carrier would have to be informed.
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2014 2SS/RS Vert.
"Today I didn't even have to use my AK, I got ta' say it was a good day" |
03-02-2016, 10:42 AM | #3 |
Drives: 2014 2LS (traded in) 2015 1SS 1LE Join Date: Apr 2015
Location: New York
Posts: 2,132
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Do a search. I can't remember the thread but someone posted an insurance place that specializes in track days and it was like $200 for the day.
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03-02-2016, 11:10 AM | #4 |
Drives: Race Car Join Date: Sep 2009
Location: Seffner, FL
Posts: 6,226
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It depends on the Value of the Car & how many days of of coverage you purchase.
As I remember I pay around $160 a day for $40k of coverage |
03-02-2016, 09:15 PM | #5 |
Drives: 2015 SS Join Date: Nov 2015
Location: Plum, PA
Posts: 94
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I was also told my regular insurance company would be informed. There are stories of insurance companies dropping people just for inquiring about track day insurance.
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03-02-2016, 10:01 PM | #6 |
Drives: 2010 1SS RS M6 Join Date: Jan 2015
Location: Appleton, Wisconsin
Posts: 521
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Ok thanks , I'll have to think about this a little... Next question, has anyone ever had to use track day insurance?
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Vararam intake, gmpp exhaust, borla stainless long tubes, cat less, jannetty tune, bmr lowering springs, heritage grill , smoked lenses
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03-03-2016, 10:20 AM | #7 |
Drives: Race Car Join Date: Sep 2009
Location: Seffner, FL
Posts: 6,226
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03-03-2016, 11:47 AM | #8 | |
Drives: 2012 2LS Camaro - RIP 10/3/2021 Join Date: Dec 2011
Location: at a road course near you
Posts: 169
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Quote:
My Insurance company has no clue I bought HPDE insurance 3 - 4 times last year. I'm certainly not gonna tell them. |
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03-03-2016, 11:52 AM | #9 |
Drives: 2010 2SS/RS Inferno Orange Join Date: Mar 2013
Location: San Antonio, TX
Posts: 628
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I have two neighbors that work for both State Farm and Geico and they said that their companies would cancel your policy in the state of TX if they were notified that a vehicle they insure was found to be participating in a racing event. Inquiring about the cost for coverage would not result in cancellation but could flag your policy for deeper review in the event of a claim.
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U.S. Army Retired |
03-03-2016, 07:52 PM | #10 |
Drives: 2015 SS Join Date: Nov 2015
Location: Plum, PA
Posts: 94
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03-03-2016, 07:55 PM | #11 |
Drives: 2015 SS Join Date: Nov 2015
Location: Plum, PA
Posts: 94
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03-03-2016, 08:14 PM | #12 | |
Drives: 2012 SS/RS 45th Join Date: Feb 2012
Location: United States
Posts: 37
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Quote:
HPDE are not racing events.
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2012 2SS/RS CAI, Cat Back |
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03-04-2016, 07:09 AM | #13 |
Drives: 2010 2SS/RS Inferno Orange Join Date: Mar 2013
Location: San Antonio, TX
Posts: 628
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Sorry, misunderstood.
Sent from my iPhone using Tapatalk
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U.S. Army Retired |
03-04-2016, 11:10 AM | #14 | |
Drives: Race Car Join Date: Sep 2009
Location: Seffner, FL
Posts: 6,226
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Quote:
Tracks do not offer insurance. Track-Day Insurance companies do. If you don't give your Insurance Info out to the wrong people, it can't be reported! Now if have an Accident @ a HPDE and try reporting it to your Regular Insurance, they will deny it and drop you like a Rock. Read your Insurance Coverage! Most will have wording that you are not covered when Racing or doing an Event on a Race Course. While a HPDE is not Racing, it is on a Race Course and you are not covered by your Regular Insurance. |
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