Insurance at the track (Ontario)

Lucky1 · 09-19-2016, 08:42 AM

I'm planning to take my car to Shannonville, ON next month for one last track day of the season. My auto insurance company has said they won't insure my car while on the track.

Anyone know what some of the alternative insurance options that people use? I just basically need a day's worth of coverage.

MightyMouseTech · 09-19-2016, 09:34 AM

My golden rule, never take a car to the track you are not willing to completely walk away from.

jaye944 · 09-20-2016, 06:33 AM

I "think" some tracks have insurance companies who will insure,
but I don't believe any usual ins. company will ever insures you for tracking,
part of the ontario insurance statutory forms (ON1 ? I think) says you will not take part in racing, time trials etc.

Insuring for essential racing on a track is WAY too high a risk for any company,
how much would you be willing to spend on a premium?

Ender_ · 09-25-2016, 01:38 PM

Is it a HPDE session? If so you are covered under Ontario insurance, good luck with your premiums if you do make a claim. You'll have to fight for it but I know a number of people that have a crash at the track covered.

I'll be honest if its your '08 128i that you are taking it wouldn't be worth making a claim, that's a maybe $15k car.

09-19-2016, 08:42 AM	#1
Lucky1 Colonel 647 Rep 2,051 Posts Drives: '08 128i Coupe SGM 6MT Join Date: Nov 2008 Location: Toronto iTrader: (0) Garage List 2015 Porsche 911 Ca ... [0.00] 2008 128i Coupe [0.00] 2006 Z4 M Roadster [0.00]	Insurance at the track (Ontario) I'm planning to take my car to Shannonville, ON next month for one last track day of the season. My auto insurance company has said they won't insure my car while on the track. Anyone know what some of the alternative insurance options that people use? I just basically need a day's worth of coverage.
	Appreciate 0 Tweet Quote

09-19-2016, 09:34 AM	#2
MightyMouseTech Major General 4338 Rep 6,196 Posts Drives: 13 135i 6MT LeMans Blue MSport Join Date: Feb 2013 Location: Ottawa, Canada iTrader: (0)	My golden rule, never take a car to the track you are not willing to completely walk away from.
	Appreciate 1 jaye9441014.00 Quote

09-20-2016, 06:33 AM	#3
jaye944 Captain 1014 Rep 638 Posts Drives: a Join Date: Jul 2015 Location: a iTrader: (0)	I "think" some tracks have insurance companies who will insure, but I don't believe any usual ins. company will ever insures you for tracking, part of the ontario insurance statutory forms (ON1 ? I think) says you will not take part in racing, time trials etc. Insuring for essential racing on a track is WAY too high a risk for any company, how much would you be willing to spend on a premium?
	Appreciate 0 Quote

09-25-2016, 01:38 PM	#4
Ender_ Lieutenant 54 Rep 509 Posts Drives: BMW 1M VO, V60 Polestar '24 Join Date: Mar 2009 Location: Ottawa iTrader: (0)	Is it a HPDE session? If so you are covered under Ontario insurance, good luck with your premiums if you do make a claim. You'll have to fight for it but I know a number of people that have a crash at the track covered. I'll be honest if its your '08 128i that you are taking it wouldn't be worth making a claim, that's a maybe $15k car.
	Appreciate 0 Quote