To start off with, there tends to be a lot of rumour and misinformation about rallying and insurance. I think it's useful to go back to what the policy actually says.
The clause that gets people worried is this one from the
Ontario Automobile Policy:
Quote:1.4.6 You agree not to use or allow anyone to use the automobile in a race or speed test or for any illegal trade or transportation.
The Ontario Automobile Policy is common to all insurance providers in Ontario; by law, all Ontario auto insurance must use this policy for personal auto insurance.
There have been very few claimable accidents on TSDs since I became involved in the sport (I can only think of two off the top of my head in the past 8 years or so, and one of those was a marshal, not a competitor), so I don't have much practical information on how this clause is actually applied.
To me, a car in a TSD rally is no more taking part in a "speed test" than a public bus running to a schedule, but I'm definitely not a lawyer and definitely not the final word on this issue.
Hopefully someone who has been through the claims process after an accident on a TSD rally is out there who can chime in now.
Regards,
Jeff Hagan