Came across this thread in another forum:

Please Read: Warning To Autocrossers!!! - Motorsports - NASIOC

That's kind of disturbing, though I find it kind of hard to believe that a large insurance company like Geico would go to that much trouble to find at most a few people that they can identify as policy holders.

However, I think I might relay this story to my local SCCA region, and request that we use aliases to register for events (though I don't think I would have that problem with my insurance co.)

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What does your insurance policy say?

If it says you can't compete in timed events and you do, what's the issue?

Even if they did, so what? Why violate the contract?

Looks like Geico might. Maybe they're just going the extra mile in an attempt to insure only those drivers who are least likely to be involved in an accident. Although I haven't filed an insurance claim in over 40 years of driving, I'm sure I'd never qualify for a Geico policy.

The author in the other thread, "camaroz1985", did not say he was denied a claim but was abruptly dropped because his name was available in AX results over the internet. My insurance policy says it will not cover damage resulting from a timed event, but does not say you can't do it. It is generally assumed that any damage from an AX event will not be covered. The question is: do insurance companies have the right to drop coverage for no other reason than claiming you participate in AX events -- which they will not cover damages anyway?

Well, I guess it does depend on how the contract is worded - the OP in the NASIOC link said that he had not even competed in the car that is insured with Geico.

I'm not sure how or why a car insurance company can prohibit an activity that doesn't involve the vehicle that they insure.

Also, if the contract merely states they won't cover timed events (vice prohibiting the activity), and I don't file (or intend to file) any claim related to that activity, then why should they care?

Fortunately, I have read thru several of my past years auto policies (USAA) and they don't make any mention regarding timed or track events at all (but I still intend to get separate track insurance).

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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

Well, if that's their logic they are way off IMO. Speaking from personal experience, if anything, autocross teaches you skills which help you avoid an accident (at least it did in my case a couple of times in the past 2 years).

If they want to reduce their risk pool, they should cancel the policies of everyone who owns a mobile phone, or is under the age of 25.

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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

OK, I understand now.

Your saying they have been dropped, basically with no recourse, and the information may not even be true, NM if racing in a timed event was in the policy.

Maybe someone who understand underwriting can answer that.

BTW, I have read in one thread in another forum that an insurance company would do this, that is, cancel the policy, because it had something to do with liability. Even if the company would not pay for damage (collision), if something else happened, they might be held liable for liability. This might be it.

I've also heard people compleain about GIECO because they buy radar guns for police too
(or something very close along those lines).

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The relevant question may be about liability.

Suppose a driver should hit a course worker on a AutoX or take a passenger and the passenger gets injured for some reason. Who is liable (besides the driver)?