Specifically looking for information around rally-X but also interested in performance rally.

My wife and I are in the process of increasing our life ins., question comes up about "high risk activities"  . I proceed to explain to the medical interviewer that I am planning to do some rally-X and explain what it is.

I never want to give an ins. co. reasons to deny coverage. I am a little nervous about this causing issues. Anyone else gone through this and willing to share their experiences? If you don't want to post it send me a pm or e-mail.

Dave Cotie wrote on 08/31/10 at 19:21:29:

I've got coverage through the group policy at work, but just the basic amount - I haven't purchased additional life insurance.

Our current insurer and the one before that told me the same thing: as an unpaid amateur co-driver and road race corner marshal I'm covered, but if I were to ever co-drive professionally I wouldn't be.  But YMMV.

Should ask the Agent if Snowmobilers or sport fishermen are classified as dangerous sports.

By stats they are two of the most dangerous sports around

I live in Kawartha Lakes area and deaths from both are very high.

I use CAA medical insurance as it specificaly states that Amatuer Motorsports participents are covered. I was working Targa when I first purchased  out of Province coverage

Pete g
Pete g

I can only give my own experience. In 1985, I got a Regional B racing license from CASC. I had taken a racing school and had vague plans to race in the Honda series, which never happened. Around that time I changed jobs and applied for additional life in the new company. I never lie to insurance companies, even double-check the spelling, and was not denied coverage. They had no problem with racing. I had to answer all those questions about max speed, etc.

About 5 years later, I changed jobs again, applied for addtional life and mentioned on the form that I did marshaling and other volunteer work at performance rallies. I specifically said that I did NOT compete. I gave a detailed description of the activity, answered all the questions, and was DENIED coverage. Bizarre, I bet that hiking in grizzly country is more dangerous than talking on HAM radio at rallies.

It seems like a crap shoot. I bet some companies know more than others about this stuff, and might choose to go after business that others don't. I don't know who they are though, so I am not much help, sorry.

You'd think that after all these years, ASN Canada, or CASC, or CARS, or SCCA, or SOMEBODY in the racing community somewhere would have studied this, or lobbied, or did something to find out about these things. I mean, every single person involved in motorsport needs insurance in all aspects of their lives, so you'd think that by now the studies would have been done proving that we're a safe group to deal with, or that we're not, or something. But I have never even heard a hint of such a thing. When insurance comes up, most people duck hoping they don't get caught in the crossfire.

What about parachutists? sky-divers? scuba divers? fire-fighters? police? it's a long list.

In the past RallySport Ontario and a bit later some CASC racing guy, whose name I forget, and very recently CARS attempted to arrange for group coverage of motorsport people with no luck. They say that the small  potential number of policies just isn't worth taking on what at the very least is perceived as a high risk group.