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Thread: Track Day Insurance Converage

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    Default Track Day Insurance Converage

    Heading to the track with my R8 on Saturday and got a couple quotes for coverage on the track. Best I could find was $1900/day with a $19,000 deductible.. Has anyone had luck getting something reasonable ? Full track day will end up being $3000 with my own car which is mental imo..

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    Quote Originally Posted by BavarianBeast View Post
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    Heading to the track with my R8 on Saturday and got a couple quotes for coverage on the track. Best I could find was $1900/day with a $19,000 deductible.. Has anyone had luck getting something reasonable ? Full track day will end up being $3000 with my own car which is mental imo..
    So you're looking for coverage (assuming collision & liability) for while you're driving on the track itself?
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

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    Quote Originally Posted by Masked Bandit View Post
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    So you're looking for coverage (assuming collision & liability) for while you're driving on the track itself?
    Yes, that is correct.

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    Quote Originally Posted by BavarianBeast View Post
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    Yes, that is correct.
    I have never heard of anyone even considering insuring something on a track.
    The mean thing to say (but close to reality) is, "if you can't afford to crash it, don't track it". Although this can translate into simply more careful driving to mitigate your crash potential and take your chances.
    What scared me out of more motorcycle tracking were the many variables I could not control (others wiping me out).

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    Quote Originally Posted by BavarianBeast View Post
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    Yes, that is correct.
    Have you tried trackdayinsurance.ca ? I don't know anything about them (no affiliation) and I don't know if any of our clients have ever actually used them but I don't know of any Alberta based providers for events like this.
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    Quote Originally Posted by ThePenIsMightier View Post
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    I have never heard of anyone even considering insuring something on a track.
    The mean thing to say (but close to reality) is, "if you can't afford to crash it, don't track it". Although this can translate into simply more careful driving to mitigate your crash potential and take your chances.
    What scared me out of more motorcycle tracking were the many variables I could not control (others wiping me out).
    Pretty much any track driver training or track car rental program where you use someone else’s car is fully insurred. I don’t see why it would be any different if it was your own car.
    Originally posted by Thales of Miletus

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    Quote Originally Posted by ThePenIsMightier View Post
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    I have never heard of anyone even considering insuring something on a track.
    This is very popular in the states (RLI, Haggerty, Lockton etc.), I wish more companies got on board with it up here. Lots of options for coverage for HPDE's, Track Night in America etc. etc.

    Most of them have a selectable deductible, 0-20%ish iirc and it's actually very reasonable, $150-300/day for "normal" cars.
    Last edited by 94boosted; 03-19-2019 at 03:57 PM.

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    Thanks Masked Bandit. Trackdayinsurance.ca had the best quote @ $1000 for the day. Will have to chat to them tomorrow to confirm. Stone bridge insurance out of Toronto was who I talked to initially and it sounds like most exotic owners get coverage for the track. Good discounts when you use it consecutively for the same car and build a relationship. I mean I’m all about taking risks, but why wouldn’t I protect my investment just in case?

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    Quote Originally Posted by killramos View Post
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    Pretty much any track driver training or track car rental program where you use someone else’s car is fully insurred. I don’t see why it would be any different if it was your own car.
    Oh, certainly. I just had never heard of it for individuals & didn't think it was attainable for less than one chamillion dollars.

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    Quote Originally Posted by ThePenIsMightier View Post
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    Oh, certainly. I just had never heard of it for individuals & didn't think it was attainable for less than one chamillion dollars.
    Don't some of the car clubs / race associations have group insurance you can get into for this? I think that would bring the cost down a long way.
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    Someone wrote off a M4 at Castrol last season but luckily had trackday coverage, probably pretty happy about that.

    Not sure I will do any more road course without coverage.

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    RSX in front of me at racecity burnt to the ground back in the day. Was a huge eye opener, no more lapping days after that.

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    OP, where are you getting on track in March?

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    Van Island Motorsports. Full day + instruction for $950.

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    ^ awesome. heard that circuit is a great course

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    My favourite thing about that track is all my crazy nimby family members spend all their time bitching about it on Facebook.
    Originally posted by Thales of Miletus

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    Originally posted by Toma
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    Quote Originally Posted by BavarianBeast View Post
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    Van Island Motorsports. Full day + instruction for $950.
    Oh nice, i've heard about that track but never been. I'm curious about the quality of instruction, I teach at the 2-day school at Castrol (in-class and on-course instruction) and it runs $600 iirc. GL/HF, i'd love to hear a recap if you feel like posting about the experience.

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