Hello from San Jose!

[Elv15]

Usaa

I have USAA. I called them. I don't recall the exact wording, but they will not cover you for any car club event.

I've also seen some other posts on the internet about USAA, one guy even had his insurance policy dropped after he called and asked about track day events. So, be careful how far you want to push them on this topic.

It really is a shame that there is no insurance company here in the US that offers track day coverage. In the UK you can purchase a daily policy when you are at the track.

[Michael Murphy]

For what it is worth, NASA's view is that HDPE does not qualify as 'racing' because it is educational, and not a timed event. NASA say that they have been successful in persuading insurance companies to accept claims for damage suffered during HPDE events even though the claims were initially declined. That said, I think it is safe to assume that you do not have coverage when you drive on the track. I accept the risk because, in my view, that's what sevens are for. (As opposed to driving on the road, which is about as much fun as beating your head with a stick.)

[Elv15]

roads

"As opposed to driving on the road, which is about as much fun as beating your head with a stick."

Agreed that the seven was made for racing, but don't discount the roads. There is lots of fun to be had on the public streets. 5500 miles on the USA2005 tour and I still had a smile on my face.

[magnusfeuer]

Actually, when stuck on the 405 at rush hour in a Caterham, beating yourself on the head with a stick is:
1) A great stress relief.
2) The only entertainment you will get for the next two hours.
3) Confirming our lunatic fringe of car ownership in the eyes of the drivers next to you.
4) Quite British, in a British kind of way.

/Magnus F.

[soareyes]

It really is a shame that there is no insurance company here in the US that offers track day coverage. In the UK you can purchase a daily policy when you are at the track.

I too have USAA for my regular cars, and they referred me to American Collectors Insurance when I bought the Birkin. American does offer track coverage as an add-on to their normal policy. It is very expensive with high deductibles, so I decided not to bother since I'm only doing a few track days a year and no racing. Still, their regular policy is very reasonable (mine is about $400/year with a 3000 mile cap). It would be nice if some company offered the coverage by the day/event though. The web site is:

https://www.americancollectorsins.com

Stan

[psz.]

After picking up my car from Will, I had the pleasure of sitting in LA rush hour traffic. When asked how many more miles we had in LA, a good friend who was with me said, "I've got good news and bad news." Then, "The bad news is there is no end in sight." Then I asked for the good news. He said "There is a Caterham behind us on a trailer and it's YOURS."

On that day I was glad to have a radio, AC, etc. Still, a beating about the head with a stick may have prompted me to sensibly pull off the freeway and stop at a hotel until traffic subsided.

I have found the mountain roads around here to be quite a bit of fun in the 7, and I am sure that the pleasure of being on a track could only be ruined by finding myself uninsured at the end of the day. For now I will likely remain an observer. I will still try to make it to Thunderhill to meet up with everyone, and pick your brains about fuel mapping, compound polishing...

best regards,
PSz.