Race Car ON TRACK coverage

December 10, 2020, 04:43 PM

Paul S/Q

I have searched previous posts here and can find all kinds of insurance coverage for race cars , , but they don't want to cover cars while on the race track ... anyone know of any reliable companies that will cover them this way ... I think Laris does , any others ? thanks

December 10, 2020, 04:46 PM

1320racer

Laris does and that's who I'm insured with.

December 10, 2020, 06:09 PM

HR3377

I think Lutz in Ohio does also

December 10, 2020, 07:33 PM

Big Steve

From what I understand When Phillip Oakley crashed his TD at St Louis, Laris covered it.
Obviously the car wasnt a Total loss like it was in a trailer fire, But at a minimum the cost of a new chassis was covered

December 10, 2020, 07:33 PM

TORQIN

I have on track with Laris presently.

December 10, 2020, 07:40 PM

jenavet

I called a couple years back on my car and my freinds top sportsman car...im going to be honest i forget who i called but i know they where on this site.
my car @ 100,000 coverage down track was 8,000 a year and my freinds top sportsman car @200.000 was 14,000 per year down the track.
thats alot of money

December 12, 2020, 07:51 AM

Paul S/Q

I checked with Laris and they do have on track coverage as noted , kind of pricey , but it is what it is .. I have always had off track coverage through the wifes insurance agency , but they don't do ON TRACK ......with the expense of the new cars these days , it would be wise to insure it on track as you never know when bad things could happen ....I have a few months before I need it , I'll keep looking to see if anything else is available ..

December 13, 2020, 09:34 PM

Tim Mitchell

Don Kennedy maybe?

December 13, 2020, 11:23 PM

Will Harrison

We have Laris also, and for the toter and stacker

December 14, 2020, 05:07 AM

Paul S/Q

quote:
Originally posted by Tim Mitchell:
Don Kennedy maybe?

off track coverage only ...

December 14, 2020, 05:38 AM

cartman

quote:
I checked with Laris and they do have on track coverage as noted , kind of pricey

Could you give a rough idea what you consider pricey?

December 14, 2020, 07:26 AM

TORQIN

Actually after I insured my trailer and contents the "on track" coverage became kind of inexpensive once I reached a certain level of coverage dollar wise.

December 14, 2020, 07:33 AM

Holytown

I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

December 14, 2020, 07:46 AM

CURTIS REED

quote:
Originally posted by Holytown:
I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

My trailer and car insurance is just an agreed upon dollar value. Trailer and contents covered for X amount to be paid to me. Same for car. The cost to me is based on just how much the agreed value is.

December 14, 2020, 07:50 AM

Holytown

quote:
Originally posted by CURTIS REED:
quote:
Originally posted by Holytown:
I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

So this wouldn't replace the normal down the road policy I would assume. Just a supplemental type thing?

My trailer and car insurance is just an agreed upon dollar value. Trailer and contents covered for X amount to be paid to me. Same for car. The cost to me is based on just how much the agreed value is.

December 14, 2020, 07:50 AM

Holytown

quote:
Originally posted by Holytown:
[QUOTE]Originally posted by CURTIS REED:
[QUOTE]Originally posted by Holytown:
I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

So this wouldn't replace the normal down the road policy I would assume. Just a supplemental type thing?

December 14, 2020, 07:58 AM

1320racer

quote:
Originally posted by Holytown:
I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

December 14, 2020, 08:20 AM

CURTIS REED

quote:
Originally posted by Holytown:
quote:
Originally posted by Holytown:
[QUOTE]Originally posted by CURTIS REED:
[QUOTE]Originally posted by Holytown:
I'm considering getting this. I have a question about the trailer insurance. Is this covering the contents of my trailer, or the contents and the trailer. So basically my question is, if I insure the trailer through them , do I still need my progressive insurance for the trailer?

So this wouldn't replace the normal down the road policy I would assume. Just a supplemental type thing?

It's not a supplemental, unless you only cover the trailer for less than replacement value. I don't know why you would want to do that though.