 HPDE Insurance and the Sh!tty State of New York |
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| tomeric914 |
 Jun 7 2017, 07:31 PM
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One Lap of America in a 914!  Group: Members Posts: 1,259 Joined: 25-May 08 From: Syracuse, NY Member No.: 9,101 Region Association: North East States 
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In an attempt to do the right thing today, I looked into other classic auto insurers to see what their take is on insuring a daily driver that would be use on the track as well. I got an eye opener:
I specifically stated (full disclosure) in an insurance application that the vehicle would be used at track day events. This was a company that touted "Motorsports" coverage for daily drivers. DENIED because NY state requires liability no matter where you are. HPDE (track day) insurance only covers the owner for vehicle damage. Liability comes out of the standard day to day policy. Explaining this over the phone to an agent was a waste of time. They see "track day" and say "no way". I then contacted my regular auto insurance and asked if they would cover a newer sports car which is my daily driver if I attended track day events. Again, "track day", "no way". They said that I may need commercial insurance which tells me that they have no clue at all. I'm still waiting for a response back from them. PCA has a deal with Lockton Affinity (sp?) and while they offer track day insurance, it is only for vehicle damage and maybe track cleanup, they don't offer liability insurance. Same problem. So the question is, what do you all do for insurance for a vehicle which is registered and street legal? (IMG:style_emoticons/default/smile.gif) |
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| nolift914 |
Jun 21 2017, 01:31 PM
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Autoxer Group: Members Posts: 183 Joined: 24-May 09 From: Rockaway Beach NY Member No.: 10,399 Region Association: None |
NY does not have a Motorsports exception, so no insurance company in NY will insure a vehicle if you tell them it will be taken to the track. I have a autocross 914 the only insurance I am able to get is storage and trailer insurance
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Posts in this topic
tomeric914 HPDE Insurance and the Sh!tty State of New York Jun 7 2017, 07:31 PM
Mr. Olympic Blue 2 You Are you trying to have the car covered for acciden... Jun 8 2017, 10:01 AM
tomeric914 The VWVortex article referenced above was from 200... Jun 8 2017, 01:38 PM mepstein I wonder what bob saville uses for Huey. It's ... Jun 8 2017, 02:59 PM tomeric914 Exactly my thought, I was going to hit Bob up once... Jun 8 2017, 04:34 PM carr914 When I has a Street/Track car, I had Collector Car... Jun 8 2017, 05:15 PM tomeric914 Yep, no good here in NY.
When I has a Street/Tra... Jun 8 2017, 09:21 PM Cracker I highly doubt Bob purchases insurance that would ... Jun 10 2017, 09:44 AM Jetsetsurfshop
I have always rolled the dice and taken the app... Jun 11 2017, 08:53 AM sixaddict Not sure this works for others but here is my ... Jun 23 2017, 06:55 AM mepstein I asked at the shop and they said they buy 2 polic... Jun 23 2017, 07:05 AM |
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