HPDE Insurance

Mt Tam I am · 11-16-2011, 11:49 PM

I have been invited to run with the CFRA B group sunday at Sears Point and I've accepted. Should I get their insurance? CFRA | Insurance Options

From their site:
CFRA is a registered non-profit organization dedicated to providing quality track time to its members and their guests. We believe that you should know the people that you share the track with. To achieve this, CFRA is only allowed to grow in size by 10 new members per year. CFRA also sponsors dinners prior to most track events as well as several social events throughout the season such as banquets, lunches, Picnics, BBQ's, Karting, etc ...
PARTICIPATION OPTIONS:

Open track
Qualifying Competition
Exhibition Racing

Drivers with less than 10 days of experience run in the "B" groups with requires that corner passing only be performed with the acknowledgment of the driver being passed.

EazyD · 11-17-2011, 02:10 AM

Don't see why not. Your normal insurance won't cover your track crashes (I asked my agent)

Mt Tam I am · 11-17-2011, 09:55 AM

If I did the math correctly, it will come to $181 for the day. Does this seem reasonable?

scottIN · 11-17-2011, 10:13 AM

The other option is this:
When you crash, have your car towed outside the track, put it up against a wall / tree (or whatever you hit inside the track) so the damage looks like it happened there and then call the police.

Yeah, I know it's insurance fraud, but I know people who have done it before.

Mike · 11-17-2011, 10:58 AM

that sounds like a reasonable price for the peace of mind.

when my oil cooler line separated and sprayed oil on a front caliper, causing me to go into a wall, it cost me about 3500 to repair, and thats only because I had a hook up on parts and on body work. I would much rather have spent 181.

MightyBobo · 11-17-2011, 12:06 PM

When I hit the wall I regretted not paying for the insurance my very first HPDE. So, if this is your first time? Go for it, minimal investment and maximum confidence.

Now that Ive been out a few more times since then, I doubt I'll get it, just because I know to not push myself too hard.

Mt Tam I am · 11-17-2011, 03:39 PM

Quote:

Originally Posted by Mike

that sounds like a reasonable price for the peace of mind.

when my oil cooler line separated and sprayed oil on a front caliper, causing me to go into a wall, it cost me about 3500 to repair, and thats only because I had a hook up on parts and on body work. I would much rather have spent 181.

Quote:

Originally Posted by MightyBobo

When I hit the wall I regretted not paying for the insurance my very HPDE. So, if this is your first time? Go for it, minimal investment and maximum confidence.

Now that Ive been out a few more times since then, I doubt I'll get it, just because I know to not push myself too hard.

Thanks for the advice. I will get it. $181 was with a $30,000 evaluation which is close to market value in my estimation.

To EasyD I will be safe. Thanks.

cossie1600 · 11-17-2011, 07:38 PM

Watch for the deductible, they are usually in the $2K range

m4a1mustang · 11-17-2011, 07:40 PM

Quote:

Originally Posted by cossie1600

Watch for the deductible, they are usually in the $2K range

Still not bad if you write the car off.

SPOHN · 11-17-2011, 07:51 PM

I'd pay more to have a lower deductiable. But what the OP posted for this event is

"Deductible
The deductible is 10% (of total value) with a $2,000 minimum and $5,000 maximum. This is subject to change as well. "

Is this normal?

m4a1mustang · 11-17-2011, 07:53 PM

That seems to be in line with what I've seen. Maybe a little on the higher side as far as the $5,000 maximum goes.

Still, if I totaled a $35k car I'd rather be out $5181 than the full replacement cost.

Ghost · 11-18-2011, 09:37 AM

Track insurance is a great idea for those whom 370 is primary/only car.

MightyBobo · 11-18-2011, 09:54 AM

Quote:

Originally Posted by Ghost

Track insurance is a great idea for those whom 370 is primary/only car.

Or if you just want a little peace of mind...

Mt Tam I am · 11-19-2011, 07:08 PM

It is forecast to rain tomorrow. I hate driving in the rain (both times it happened

). I'm from California and tend to be better practiced in the dry. For the piece of mind, I just bought HPDE one day insurance.

Thanks to one and all for the advice.

onzedge · 11-19-2011, 07:12 PM

Quote:

Originally Posted by Mt Tam I am

It is forecast to rain tomorrow. I hate driving in the rain (both times it happened

). I'm from California and tend to be better practiced in the dry. For the piece of mind, I just bought HPDE one day insurance.

Thanks to one and all for the advice.

11-16-2011, 11:49 PM	#1 (permalink)
Mt Tam I am A True Z Fanatic Join Date: Jun 2010 Location: California Posts: 10,709 Drives: 370Z T/S/N 6MT & XKE Rep Power: 3843	HPDE Insurance I have been invited to run with the CFRA B group sunday at Sears Point and I've accepted. Should I get their insurance? CFRA \| Insurance Options From their site: CFRA is a registered non-profit organization dedicated to providing quality track time to its members and their guests. We believe that you should know the people that you share the track with. To achieve this, CFRA is only allowed to grow in size by 10 new members per year. CFRA also sponsors dinners prior to most track events as well as several social events throughout the season such as banquets, lunches, Picnics, BBQ's, Karting, etc ... PARTICIPATION OPTIONS: Open track Qualifying Competition Exhibition Racing Drivers with less than 10 days of experience run in the "B" groups with requires that corner passing only be performed with the acknowledgment of the driver being passed. __________________ "Does the carpet match the drapes? NO!!! I don't date bald women." Nissan Motorsports 34R Oil Cooler. Stillen CBE. Hotchkis Sport Sway Bars. KW Variant 3 Coilover System. Stillen Gen3 CAI. Michelin Pilot Super Sport. Stillen Brake Ducts. Carbotech™ XP10/XP8 Pads. Z1 Front Rotors. Z1 Stainless Brake Lines. Two degrees of camber

11-17-2011, 02:10 AM	#2 (permalink)
EazyD A True Z Fanatic Join Date: Nov 2009 Location: Massachusetts, USA Posts: 1,211 Drives: 2010 6MT Sport pkg. Rep Power: 26	Don't see why not. Your normal insurance won't cover your track crashes (I asked my agent) __________________ Pearl White 2010 370Z Sport, Stillen CBE, tint, K&N drop-in filters, GT-R start button, Kenwood DNX-6980 with backup cam, LED bulbs, Raceseng shift knob.

11-17-2011, 09:55 AM	#3 (permalink)
Mt Tam I am A True Z Fanatic Join Date: Jun 2010 Location: California Posts: 10,709 Drives: 370Z T/S/N 6MT & XKE Rep Power: 3843	If I did the math correctly, it will come to $181 for the day. Does this seem reasonable? __________________ "Does the carpet match the drapes? NO!!! I don't date bald women." Nissan Motorsports 34R Oil Cooler. Stillen CBE. Hotchkis Sport Sway Bars. KW Variant 3 Coilover System. Stillen Gen3 CAI. Michelin Pilot Super Sport. Stillen Brake Ducts. Carbotech™ XP10/XP8 Pads. Z1 Front Rotors. Z1 Stainless Brake Lines. Two degrees of camber

11-17-2011, 10:58 AM	#5 (permalink)
Mike The370Z.com Sponsor Join Date: Jun 2009 Location: Loganville, GA Posts: 5,944 Drives: 370z Rep Power: 2186	that sounds like a reasonable price for the peace of mind. when my oil cooler line separated and sprayed oil on a front caliper, causing me to go into a wall, it cost me about 3500 to repair, and thats only because I had a hook up on parts and on body work. I would much rather have spent 181. __________________ NISSAN: 75 280Z / 86 300ZX GLL /87 Sentra SE / 03 350Z / 23 Z Porsche: 93 968 / 23 Macan GTS / 93 968

11-17-2011, 12:06 PM	#6 (permalink)
MightyBobo A True Z Fanatic Join Date: Feb 2009 Location: Las Vegas, NV Posts: 8,465 Drives: No cars; only bikes Rep Power: 52	When I hit the wall I regretted not paying for the insurance my very first HPDE. So, if this is your first time? Go for it, minimal investment and maximum confidence. Now that Ive been out a few more times since then, I doubt I'll get it, just because I know to not push myself too hard. __________________ I don't own a car anymore. Last edited by MightyBobo; 11-17-2011 at 03:48 PM.

11-17-2011, 10:13 AM	#4 (permalink)
scottIN Track Member Join Date: Aug 2011 Location: New Castle, Indiana Posts: 764 Drives: '12 370Z Rep Power: 55	The other option is this: When you crash, have your car towed outside the track, put it up against a wall / tree (or whatever you hit inside the track) so the damage looks like it happened there and then call the police. Yeah, I know it's insurance fraud, but I know people who have done it before.

11-17-2011, 07:38 PM	#8 (permalink)
cossie1600 A True Z Fanatic Join Date: Jun 2009 Location: californee way Posts: 5,380 Drives: 370, Leaf Rep Power: 30	Watch for the deductible, they are usually in the $2K range

11-17-2011, 07:51 PM	#10 (permalink)
SPOHN A True Z Fanatic Join Date: Feb 2010 Location: Covington, GA Age: 46 Posts: 14,844 Drives: Waiting on next Z Rep Power: 221	I'd pay more to have a lower deductiable. But what the OP posted for this event is "Deductible The deductible is 10% (of total value) with a $2,000 minimum and $5,000 maximum. This is subject to change as well. " Is this normal? __________________

11-17-2011, 07:53 PM	#11 (permalink)
m4a1mustang A True Z Fanatic Join Date: Feb 2009 Location: Northern VA Posts: 55,385 Drives: on two wheels Rep Power: 6962	That seems to be in line with what I've seen. Maybe a little on the higher side as far as the $5,000 maximum goes. Still, if I totaled a $35k car I'd rather be out $5181 than the full replacement cost. __________________ - Steve Zs & Coffee - Saturdays at 10AM in Fairfax, VA and Columbia, MD (Click the banner!) LIKE us on Facebook!

11-18-2011, 09:37 AM	#12 (permalink)
Ghost Base Member Join Date: Oct 2010 Location: oH Posts: 95 Drives: Z34 Rep Power: 15	Track insurance is a great idea for those whom 370 is primary/only car. __________________

11-19-2011, 07:08 PM	#14 (permalink)
Mt Tam I am A True Z Fanatic Join Date: Jun 2010 Location: California Posts: 10,709 Drives: 370Z T/S/N 6MT & XKE Rep Power: 3843	It is forecast to rain tomorrow. I hate driving in the rain (both times it happened ). I'm from California and tend to be better practiced in the dry. For the piece of mind, I just bought HPDE one day insurance. Thanks to one and all for the advice. __________________ "Does the carpet match the drapes? NO!!! I don't date bald women." Nissan Motorsports 34R Oil Cooler. Stillen CBE. Hotchkis Sport Sway Bars. KW Variant 3 Coilover System. Stillen Gen3 CAI. Michelin Pilot Super Sport. Stillen Brake Ducts. Carbotech™ XP10/XP8 Pads. Z1 Front Rotors. Z1 Stainless Brake Lines. Two degrees of camber

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