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OneEighty
View Poll Results: Do you purchase insurance for HPDE or other track days?
yes I purchase insurance for the track. 15 44.12%
no I don't purchase insurance for the track. 19 55.88%
Voters: 34. You may not vote on this poll

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      08-21-2011, 04:53 PM   #1
1MOREMOD
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HPDE insurance poll

Just curious what percentage of those that track their M3 buy insurance, either for the season or on a day to day basis for each event. Who you use and recommend would be cool too. To this point I haven't but feel I probably should.
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      08-21-2011, 05:05 PM   #2
ThunderMoose
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I buy insurance. I use Ontrackinsurance.com on per event basis.
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      08-22-2011, 02:09 PM   #3
1MOREMOD
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bump
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      08-22-2011, 06:04 PM   #4
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this is from my old ameriprise policy, guess you can read it multiple ways but to me you are rolling the dice
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      08-22-2011, 06:08 PM   #5
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that looks like it applies to your regular car insurance not hpde insurance specifically for the track.
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      08-26-2011, 07:44 PM   #6
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      08-26-2011, 08:07 PM   #7
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There was a recent court case in Canada where an insurance company tried to deny coverage at a HPDE accident. The judge ruled that because the driving wasn't timed and there were rules for passing, it was NOT a racing event and the insurer had to pay up. Obviously, you need to look at your specific policy but for a driving school/HPDE it is less risky IMO. I actually called my insurer today (going to the track tomorrow ) and explained EXACTLY what I was doing. I do this every year or two just to be sure They said I was covered and made a note on my file that we chatted. If I was timing myself I would NOT be covered and specific track insurance in Canada basically doesn't exist .

On another note, my lawyer (who also attends HPDE's) says he is more concerned about personal liability than damage. That is, if he made a mistake and someone died or was permanently injured, he feels the damage to the cars is the least of his concern. I think the morale of the story is ensure your HPDE insurance covers liability too
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      08-26-2011, 08:46 PM   #8
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this is not the case for almost any car insurance in the US. track events are excluded. i actually play softball with my agent and had a candid talk and he said no fing way its covered. all of the hpde insurance i have seen is only for a set value of the car that you determine beforehand and has no liablilty coverage.
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