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Posted by: mobymutt May 29 2018, 08:30 PM

I just learned that my current insurance company will drop all my coverage if they learn my car has been 'tracked' (I go autocrossing).

I currently carry only the minimum legally required liability insurance. My car is not covered at all, except as part of my garage contents, to a maximum of $1000.

Can anybody provide me leads to a Canadian insurer that will allow a car to be tracked? To be clear, I am NOT looking for insurance at the track, I simply want to be able to carry the legally required minimum liability insurance.

Posted by: mepstein May 30 2018, 05:33 AM

Do you drive your car on the road or just at the track.
Can you drop the car off your insurance and trailer to the track.

Posted by: mobymutt May 30 2018, 06:02 AM

I do drive it on the road as well. I don't have any means of trailering, plus I still want to be able to drive it around.

Posted by: AlanG May 30 2018, 06:46 AM

I asked my broker (in Brockville). The following wss his response;

There is only 1 company that I’m aware of that allows a vehicle to be tracked/drifted/raced while being insured and that’s Facility Association. It’s usually quite expensive unfortunately.



They also do not allow physical damage coverage on the vehicle at all if they plan on using it in such event (no collision , no comprehensive)

Posted by: PatrickB May 31 2018, 03:58 AM

QUOTE(mobymutt @ May 29 2018, 10:30 PM)

Posted by: Edward Blume May 31 2018, 06:37 AM

Autocross isn't racing. Its drivers training.

Don't ever say you are racing your car.

Posted by: cwpeden May 31 2018, 07:35 AM

When all the GT Pcars are trying to better my time its definitely racing.

Posted by: Mark Henry May 31 2018, 07:43 AM

I'm pretty sure most guys are just running regular insurance, keeping their mouths shut and know that any track mishaps are their problem.

This is 3rd hand, but several years ago a guy with a big buck P-car smacked it up at the local track, managed to get it back on public roads and made a claim.
The insurance company and cops him.

Posted by: GeorgeRud May 31 2018, 10:32 AM

I thought there are (were?) companies that provide on track insurance here in the states, though I don’t know about Canada. I’d imagine Lloyd’s of London would write a policy, though i’d Hate to th8nk what the premium might be.

Posted by: jd74914 May 31 2018, 10:55 AM

QUOTE(Mark Henry @ May 31 2018, 08:43 AM)

Posted by: mobymutt Jun 1 2018, 08:11 AM

The "don't ask, don't tell" policy seems to be the best option. I'm sticking with that one.

However, I met a guy at the not-track during the not-race autocross last weekend, who brought his daily driver to his first ever event. He said he called his insurance company to verify that it was ok, and not only was it ok, but he could buy extra insurance at $20/day to cover him while at the event.

So it does seem like there are options, but I'm guessing it's highly dependent on the particular insurance agent, and his or her misunderstanding of their corporate policies.