Hi all,

Has anyone ever done a DE event at Blackhawk? Do you think it's worth getting on track insurance for a ptt? Looks like it's gonna be about $450. It'd be my first DE event (novice) and I'm wondering are there a lot of spots where any little mistake might result in a cloud of steel and money lol? Or do other DE participants often jeopardize your vehicle? Or are you so spaced out that only your driving matters? Etc...

Any advice is much appreciated!

Thanks.

 

Here's the deal:

Don't focus on the track. It's virtually irrelevant to the decision.

The question to ask yourself is whether you can absorb a total loss to your vehicle, or not?

If your street insurance policy specifically excludes all on-track activities, including non-timed and/or instructional events, then you are on your own for repair costs. That includes damage to your vehicle, your body and damage to the facility.

I have hundreds of track days under my belt. I've seen plenty of on-track incidents. A very significant portion of them are directly or indirectly caused by other drivers. They're the ones you have to worry about. You will hopefully be paired with a great instructor who will work with you on the most basic of track techniques. But there's nothing you or they can do about the loose nuts behind the other cars you share the track with.

And one final word of caution... watch out for the last session or sessions on the final day of the event. THAT is when the body and mind give out and cannot keep up with the pace to which you have grown comfortable in the previous sessions.

$0.02

 

Thanks for the perspective. Makes a lot of sense. Called Geico and they danced around the gray area of the policy and eventually said it wouldn't be covered, for anyone else who finds themselves in the same boat.

 

I had racing insurance on a car I used to track. It was through WSIB. I paid about $1000 for 10 events and had a $5000 deductible. This only covered the car, so you'd still want to confirm your health coverage didn't have any gaps.

The cost to risk ratio is such that this is too good of a deal to not have in place.

 

There shouldn't be any gray area in the coverage. It's an insurance policy, after all.

Find the current copy of your policy. Go to the exclusions section. Look for language speaking to motorsports or track events. I've seen some policies exclude coverage even if you're parked at a motorsports facility. My current policy covers on track driving, as long as there are no timing devices or competitive organization.