car insurace for a car that is used at auto x

[nine lives johnny]

i'm looking to get my car insured. it's mainly driven on the street, but it's never too far from a track. A few years ago i was insured with Geico. Somehow they found out i would take it to some local auto x events, and they canceled my policy. i'm not looking to get covered while racing. just looking for some piece of mind for street driving and in case my car is stolen. so far Hagerdy is the only place that offers car insurance for tracked cars, but has anyone else heard of a company that offers protection? I'm looking to compare rates.

[Randy67]

State Farm has no problem with me autocrossing my cars (didn't care back when I drag raced either). They just said that it wasn't covered while at the event, but was once I left. A good agent can help you out with this.

[SicMonte]

plain and simple...if you are looking for insurance for a car that see's autoX and/or track time contact "Morgan" on this site. He got me insurance for my car in two weeks when I couldnt find it myself for two years!!! Here is his info.


Mr. Morgan W. Duffy, CIC, LIA

President

Hayden Wood Insurance Agency, Inc.

HWI Motorsports (Hayden Wood Insurance Motorsports Division)

30 Turnpike Road • Suite 5 • Southborough • Massachusetts • 01772

Office: (508)229-8700 • Fax: (508)229-8702 • Mobile: (508)904-0508

: [email protected] • : [email protected]

[Jim Nilsen]

Continental Western is who insures me. You can get a policy thru them by getting a hold of Blue Sky Insurance in Rockford, Il. Call and ask to talk to Romero Bennet, the office number is 815 227 1717. Tell him I sent ya. The rates are good and the coverage is is good. Make sure you tell him exactly what you are going to do with the car and don't hold back. I made sure he knew exactly what I was going to do with my car so there were no surprises if something happened. You will have to get an appraisal and will cost you around $125 to $250 depending on where you go. they were Recommened by Stan at the Hotrod Shop who use to be an agent for Continental Western and were highly regarded as settling claims without a hassle.

Keep your insurance agent close to home if you can. I actually couldn't drive my car when I got my policy and Romero came to my house to talk to me and see the Cormaro as I requested so he knew what the car was like and that it was going to be driven and raced at events.

Maybe I will see ya someday if you are in the area at an event.

[vintageracer]

Several years ago "some" of the insurance carriers AND import manufacturers started looking at SCCA and other publicly posted autocross information/results to who was using their car in an adverse manner based upon their interpretation. The insurers began to drop customers because of the liability when the insured runs over something or someone on the autocross course. The manufactures voided the warranty on cars when the owners participated in organized "racing" which they considered an autocross to be since the owners would break the car or blow up the engine and bring it in on Monday and want the warranty to fix the problem.

So how honest are you going to be with your insurance company about the use of your car? Increased risk to the insuror will certain mean "Mo Money" from you for coverage due to the way in which you use your car. Kinda like lot's of wrecks or tickets you pay to play with higher premiums since you are a higher risk!

All that being said if you do not have the proper coverage for your car and the way in which you use that car you might as well not have any insurance at all.

Shop wisely my friend!

[Randy67]

Mike, I do keep an eye on my rates and they have never gone up after letting them know what I do. They don't put anything down in the computer, just the agent and I talking. A good agent will work with you, others not so much.

[SLO_Z28]

Autocross isn't racing.

Unless it is specifically stated in your insurance policy that "driving skill competitions" aren't covered, they are, and youre covered at an autocross. SCCA Solo 2 events have their own coverage that comes with your membership anyways.

[Garymac69]

SCCA Solo 2 events have their own coverage that comes with your membership anyways.

I saw the Detroit Speed '69 Camaro crash hard at the RTTH autocross event last September. Previously I thought it fairly safe, but now I'm now pretty scared about this autocross thing. Would it not be great (and convenient) if the event organizers offered an optional coverage for an incident during their event?

[Randy67]

Autocross isn't racing.

Unless it is specifically stated in your insurance policy that "driving skill competitions" aren't covered, they are, and youre covered at an autocross. SCCA Solo 2 events have their own coverage that comes with your membership anyways.

Actually any timed event (which autocross is) is considered racing to an insurance company, including Autocross. Plus the SCCA insurance doesn't cover your car, it covers you in case of an incident. More info here: http://www.scca.com/about/index.cfm?cid=44404

Gary, I've been autocrossing for 10 years and there have only been a couple incidents (SCCA Atlanta Region). It is one of safest events you can do so don't be worried too much.

[mpozzi]

Autocross isn't racing.

Unless it is specifically stated in your insurance policy that "driving skill competitions" aren't covered, they are, and youre covered at an autocross. SCCA Solo 2 events have their own coverage that comes with your membership anyways.

"Driving skill competitions" is a phrase I've never seen in any insurance policy but "timed speed event" sure is. It's in the list of exclusions and being timed, kiss any coverage to your vehicle while competing at an autocross event goodbye. This includes liability and comp/collision. You would be covered in the paddock area, just not while actually competing on the course.

And SCCA does have event insurance that protects them from liability issues. It doesn't cover damages to your property. We've gone through this with another club (same carrier) for a courseworker being hit.

Mary Pozzi

[mpozzi]

Actually any timed event (which autocross is) is considered racing to an insurance company, including Autocross. Plus the SCCA insurance doesn't cover your car, it covers you in case of an incident. More info here: http://www.scca.com/about/index.cfm?cid=44404

Gary, I've been autocrossing for 10 years and there have only been a couple incidents (SCCA Atlanta Region). It is one of safest events you can do so don't be worried too much.

Agree 100% with Randy and there is no better way to get acquainted with your car and learn its limits than by autocrossing. It's very rare that incidents occur ...

Mary Pozzi

[mpozzi]

I saw the Detroit Speed '69 Camaro crash hard at the RTTH autocross event last September. Previously I thought it fairly safe, but now I'm now pretty scared about this autocross thing. Would it not be great (and convenient) if the event organizers offered an optional coverage for an incident during their event?

There are insurance carriers that do offer specific "event insurance.". It's pretty pricey and for autocrossing, I wouldn't do it.

Mary Pozzi

[BonzoHansen]

State Farm has no problem with me autocrossing my cars (didn't care back when I drag raced either). They just said that it wasn't covered while at the event, but was once I left. A good agent can help you out with this.

hagerty is the same. my policy has a detailed 'racing' endorsement that spells out clearly the car is covered everywhere except on the track. the pits, the trip there/back, etc., is covered.

[Garymac69]

Then logically....one would think that if Autocrossing is so safe and incidents rarely occur, that the cost for the coverage of an individual car per event would not be that great.

But then the insurance industry is at times not logical.........

[67cougnut]

Have you checked with Grundy insurance? they always seem to be battling with Hag. at the car shows.

[SLO_Z28]

The RTTH thing was due to unsafe course design, MOST autocross events have very safe courses. You can buy single/multiple event coverage through http://hpdeins.locktonaffinity.com/Default.aspx?cID=1 . I have a ACE policy that covers me racing that Ive had for 10 years now, I don't think it covers autocross though because autocross isn't racing, but it does cover wheel to wheel stuff, up to a stated value of $20,000 with a $4,000 deductible.

Lord knows ive used my insurance a few times:
https://static1.pt-content.com/images/pt/2011/10/PA110005-1.jpg

[mpozzi]

I'd think you would be covered while competing at an autocross, James.

Mary