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My Progressive policy recently renewed, and I decided it would be a good idea to review my new policy and confirm my continued coverage for track events. Good thing I did, b/c Progressive has caught on.
Previously, the exclusion was for racing/competitive timed events. Now they've added an exclusion for "any driving activity conducted on a permanent or temporary racetrack or racecourse."
Until/unless I get coverage for such events, I'm done since I can't stomach the idea of an uninsured loss.
Oh well, I have some near indestructible dirtbikes which are an equally great way to get my adrenaline rush.
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'07 Guards Red Cayman S
'08 Honda Ridgeline RTL
'99 Miata 10th Anniversary Edition
'07 KTM Super Duke 990
'07 KTM 300 XC-W / '06 KTM 450 XC
My Progressive policy recently renewed, and I decided it would be a good idea to review my new policy and confirm my continued coverage for track events. Good thing I did, b/c Progressive has caught on.
Previously, the exclusion was for racing/competitive timed events. Now they've added an exclusion for "any driving activity conducted on a permanent or temporary racetrack or racecourse."
Until/unless I get coverage for such events, I'm done since I can't stomach the idea of an uninsured loss.
Oh well, I have some near indestructible dirtbikes which are an equally great way to get my adrenaline rush.
Fixing an expensive car is a financial nightmare, esp. if it's essentially a write-off.
Going to jail for insurance fraud is a LOT worse. And it's not like they're not going to investigate, and they do this for a living....
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2007 Cayman, midnight/tan
2007 Touareg V8, working man's Cayenne, tow vehicle
2007 Mazda3 hatch, ski car and wifey-mobile
1993 BMW 325is Spec E36 race car
If you crunch the numbers, a few things become apparent.
You are on the hook for the first $10k worth of damage with insurance or without it.
The cost of coverage appears to indicate a high risk associated with the activity.
If you do 30 DE days a year, it comes out to around $100 a day. I might do 10 this year if I am lucky. That means darn near $300 a day for insurance, plus $250 for admission and another $200 for tires and brakes. $750 a day? God don't let my wife ever see this thread.
...and I just got a complete traqmate data/video system for my birthday.
Thanks for this link...the Laurelde one at least, this is huge. I just had a long talk with "Dave" at their "800" number. They're out of Canada (Toronto), their underwriter is Pacific Insurance, Australia.
Their DE policy premium is 4% of stated (agreed upon) value. So, for my Cayman normal the premium would be between $1,550 - 2,000 depending upon how much depreciation you want to use, and that's for 30 track days over the next 12 months....15% deductable or $5,000 whichever is greater. But that certainly takes a lot of the stress out of the equation tearing into the Bus Stop at the Glen! This is not a PCA only policy...they'll write it for any car for any sactioned, non timed DE and for virtually any vehicle.
If this is for real (they claim to be the #1 insurer for the Rolex series), this is HUGE, definately the best insurance deal out there. Now we're gunna have to do some due deligence and research....
The also have a club racing policy, which is more money, but you can also put multiple cars under the same policy. As far as time trials go, the PCA type TTs at the end of the day, almost as an afterthought, are fine, but not the all out TTs run by COMSCC for example. Too bad because I plan on doing that series this year.
PCA - Porsche Club Of America
The Porsche Club of America - http://www.pca.org
CaymanClub.Net members who are also PCA members should request access to the PCA Member only forum by filling in their PCA Member ID# into their profile and then requesting a group membership addition, both of which can be done in the User Control Panel (User CP)
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2007 Cayman, midnight/tan
2007 Touareg V8, working man's Cayenne, tow vehicle
2007 Mazda3 hatch, ski car and wifey-mobile
1993 BMW 325is Spec E36 race car
If you crunch the numbers, a few things become apparent.
You are on the hook for the first $10k worth of damage with insurance or without it.
The cost of coverage appears to indicate a high risk associated with the activity.
If you do 30 DE days a year, it comes out to around $100 a day. I might do 10 this year if I am lucky. That means darn near $300 a day for insurance, plus $250 for admission and another $200 for tires and brakes. $750 a day? God don't let my wife ever see this thread.
...and I just got a complete traqmate data/video system for my birthday.
I'm not sure how you crunched the numbers, but using Prosure's calculator, I would have to pay about $1600/yr + 3000 deductible for my CS. For me that works out to about $100/track day.
__________________ 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
I really want to learn how to exploit my CS's potential but not neccesarily track it. If memory serves me, when you attend a Porsche DE, they provide the vehicle. Is this the case?
I really want to learn how to exploit my CS's potential but not neccesarily track it. If memory serves me, when you attend a Porsche DE, they provide the vehicle. Is this the case?
No they don't, the Porsche Driving School does.
I had insurance with USAA and they changed their policies too. I'm going to have to lay off DEs until I get my car paid down. Then I plan on self insuring for DE events.
I think we had a survey here a while ago regarding how many times members came close to an accident during a DE, there were hardly any instances.
I had insurance with USAA and they changed their policies too. I'm going to have to lay off DEs until I get my car paid down. Then I plan on self insuring for DE events.
Or you can change to an insurance company that doesn't exclude DE events.
You must have a really expensive Cayman . . .
