Car Insurance for Track Use

ClemsonWill · 11-22-2010, 09:18 AM

This happened to my brother-in-law a couple of months ago with his bike. He just had it towed back to his house by a friend and claimed he didn't know exactly where it happened. He gave them a general area. No police report. They covered his bike and all of the aftermarket parts he had receipts for.

Definitely a risky way to go about it being that it is technically insurance fraud but it works if you are willing to try it.

spearfish25 · 03-21-2011, 08:33 PM

Most insurance companies, including mine, have now closed the HPDE loophole. My last policy update had addendums that now include 'any use on a track that tests the car's abilities with our without timing or competition.' The clause is targeted specifically at HPDEs.

Red__Zed · 03-21-2011, 08:43 PM

Quote:

Originally Posted by spearfish25

Most insurance companies, including mine, have now closed the HPDE loophole. My last policy update had addendums that now include 'any use on a track that tests the car's abilities with our without timing or competition.' The clause is targeted specifically at HPDEs.

Yep. My policy excludes any activities on a racing surface.

11-22-2010, 09:18 AM	#16 (permalink)
ClemsonWill A True Z Fanatic Join Date: Jul 2010 Location: Charleston, SC Posts: 12,045 Drives: a Civic VP! Rep Power: 445	This happened to my brother-in-law a couple of months ago with his bike. He just had it towed back to his house by a friend and claimed he didn't know exactly where it happened. He gave them a general area. No police report. They covered his bike and all of the aftermarket parts he had receipts for. Definitely a risky way to go about it being that it is technically insurance fraud but it works if you are willing to try it. __________________ Slightly modded

03-21-2011, 08:33 PM	#17 (permalink)
spearfish25 A True Z Fanatic Join Date: Mar 2009 Location: Naples, FL Posts: 4,117 Drives: to work Rep Power: 1856	Most insurance companies, including mine, have now closed the HPDE loophole. My last policy update had addendums that now include 'any use on a track that tests the car's abilities with our without timing or competition.' The clause is targeted specifically at HPDEs. __________________ 2013 Cadillac V-Wagon, RIP Z

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