Hey guys-

Looking to take my Cayman S out on the track to a driver training. It is NOT a speed competition or a wheel to wheel competition. I will have an instructor with me the entire time. I called my insurance company and they do not cover anytime the car is on the track. Does anyone have any idea of some alternatives to ensure the car is covered? I know i can buy some track coverage that handles multiple visits to a track - 20+ visits, but that is not something i am ready to do yet since I am not sure how into the track I will get.

Any help would be appreciated.

Thanks in advance,
Evan

Hey Evan - As far as I know, there are a few companies that sell track-day only insurance - you might check Porsche Panorama, the PCA magazine and/or Excellence magazine for advertisements.

I found this set of links on Roadsters.com:

Collector car, motorcycle, and race car insurance

And this has been discussed recently:

AX, DE when leasing? Also, insurance?

And not so recently:

http://www.caymanclub.net/cayman-cha...insurance.html

Most people self-insure in my experience... it definitely keeps you within your personal ability envelope.

brad

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21-year PCA Member
PCA DE Instructor

From AutoWeeks Classifieds, "On & Off Track Insurance for track Cars. On Track Coverage For Your life (800) 222-2425 MotorSportCoverage.com"

I haven't ever used or contacted them, so no personal knowledge or experience.

There was an incident at the last local (to me) PCA event in September during one of the HPDE sessions. The off track excursion rolled the car some (depending on who tells the tale) 3 to 5 times, pretty well totaling a very nice 40th Anniversary Edition 996. So .... unfortunately bad things do happen to good people.

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'o6 Cayman SArtic Silver/Black leather

ProSure : Motorsports Protection ?

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drive it like you stole it

Based on their Coverage Estimate Calculator my annual premium for HPDE events would be $1600, with a $2-3K deductible. If I do 8 track weekends during the year, that would work out to $200 per weekend . . . hmmm, have to think about it.

There used to be a tiered approach to these plans where the tiers were split between < 20 and > 20 days per year. The < 20 was much more economical, but I can't find it offered anymore. All of the insurance vendors seem to be in the $1600 range now.

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"The Cayman doesn't need any more toys." -- My wife

You might want to shop your insurance. I use USAA and they cover DE events.

Go to Rennlist.org and do a search in the Racing/DE forum. There is LOTS of discussion on this topic.............

BTW - USAA does not cover DEs as of 12/06, read your policy exclusions.........

I use Snellings Walters. Snellings Walters Insurance Agency - Home. They originated the business that has now moved over to Prosure. Agree you should check out Rennlist for LOTS of discussion on this topic.

One option if you do fewer days is Laurel DE. They have premiums based on the number of days on track.

I am in the middle of a claim now, so I will let everyone know how it goes...

Wow, after reading some of the posts on Rennlist it's pretty clear what you don't want to do, and that is file a claim with your regular auto insurance company even if they will cover it - a lot of people had their policy cancelled by their company after the claim was paid.

If you can't afford to write it off yourself, it sounds like you better sign up with one of the specialty insurers.

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My Blogs
2006 CS Tip (Daily Driver & Part-time Track Toy)
2005 Ford Expedition (to haul the CS)
2006 Lexus RX400h (wifey's)
Gone, but not forgotten: 2002 WRX, 2004 MINI

KS-CS, you need to amortize the cost - do more track days.......

Joel, I'm anxious to hear about your adventure... PM