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Message started by J.Strack on 03/17/8 at 13:12:17

Title: Rallying and Insurance
Post by J.Strack on 03/17/8 at 13:12:17

Hello Everyone,
I am sure this has been discussed many times before, but I need some advice.

INSURANCE AND RALLYING

I have just purchased a Rally car which I intend to enter in a few events this year.
When getting insurance for this ‘rally car’ what do I do?

-Do I tell them its caged and what I’ll be using it for?
-Do I not say anything and insure it as a normal street car?
-Is there special insurance?

Any advice or stories that you think could be of help would be greatly appreciated!!!!

I need the do’s and don’ts of rallying + insurance.

Thanks
Jon

Title: Re: Rallying and Insurance
Post by RyanHuber on 03/17/8 at 14:42:43

Hi Jon,

It really depends on how how much risk you're willing to take. I know there are people out there who don't tell their insurance company and hope they never have to make a claim. There are others who go the legit way and tell their insurance company and end up in Facility group insurance. While Facility is much more expensive, you at least don't have to worry about your insurance company dropping you because you've lied to them (which they can do). If you tell them it's a rallycar then odds are about 95% that they will not cover it under a regular policy.

Title: Re: Rallying and Insurance
Post by jgardhouse on 03/17/8 at 16:05:15

Hi Jon,

I'm in the same boat as you - 'cept I have made my decision about my insurance strategy.

Rough idea given your age, location, the car, I'd be mighty surprised if Facility Association insurance for you was less then $350 a month.

Technically, your insurance could be canned for using an insured car for RallyX, as it is a timed event. I believe a few years back, some folks were canned for running Solo II events. There [thankfully] has not been a precedent set as to if event insurance covers transits, btw.

My new [to me] rallycar is in production class, so other then hotbits (not lowered!) seats and a cage, its all pretty much stock... This played into my decision about regular vs. facility, though it may be flawed logic.

Title: Re: Rallying and Insurance
Post by rosswood on 03/17/8 at 20:19:06

Unfortunately guys it is more complicated than that even.

Contact me offline if you wish to discuss further.

Title: Re: Rallying and Insurance
Post by J.Strack on 03/17/8 at 22:40:49

i knew it was going to be complicated. :(

Will anyone be going to the MLRC Meeting tomorrow who would be willing to help me figure this out?

laterdays
jon

Title: Re: Rallying and Insurance
Post by RyanHuber on 03/18/8 at 05:08:56

I'll be there.

Title: Re: Rallying and Insurance
Post by J.Strack on 03/19/8 at 06:57:10

Thanks Ryan and thanks to everyone who was at the meeting. The discussions we had really helped me get a better idea of whats what.

Title: Re: Rallying and Insurance
Post by jgardhouse on 03/19/8 at 09:17:54

STRACK wrote on 03/19/8 at 06:57:10:

Thanks Ryan and thanks to everyone who was at the meeting. The discussions we had really helped me get a better idea of whats what.

So have you decided what your doing then?

jgardhouse ((at)) gmail dot com