Originally Posted By: Shannow
Originally Posted By: CATERHAM
Contrary to your buddy's conclusion, taking part in track-day activities will not void your warranty. That's why they are usually called "driver education events". Any reference to "racing" is strictly forbidden by most clubs to keep things "legal" from an insurance standpoint.
I've got the most motorist friendly insurer in the country, and here's their definition...
Quote:
If you have comprehensive or third party legal liability
cover, you will be covered for third party legal liability
under this policy as a result of an accident during the
period of insurance that happens when you are using your
motor vehicle or motorcycle in a defensive driving course.
Defensive driving course means a paid professional
driver education and training course:
• solely teaching defensive driving skills;
• that is conducted under full time, direct professional
instruction and supervision;
• that is advertised as solely teaching defensive driving
skills; and
• that is offered for sale to members of the public on a
continuing basis.
A defensive driving course does not include a track day or
racing school.
https://www.shannons.com.au/library/documents/Motor_Insurance_PDS.pdf
Maybe your company is different, I hope that any policy holders here aren't being mislead...but geez, the premiums must be insane when a vehicle is put at risk like that.
Originally Posted By: CATERHAM
It's amazing who you'll meet at track events particularly with high end makes like Porsche and Ferrari. The president of a major Canadian Insurance company is also a member of the Porsche Club and is actively involved in track day events with his 911 turbo. Years ago I was a corporate diner sitting at the same table and someone asked about his "racing" and was quickly corrected, it's not racing but driver training/education.
And yes cars are crashed and engines broken at track day events.
And Insurance still usually covers the collision damage as well as the warranty for engine damage.
Insurance companies in Oz have representatives at most car shows and track days...not to expedite the claims process, but to record vehicle condition and who kissed the wall.
Only intenet lore I guess
http://gt86.com.au/forum/f16/toyota-tmca-watching-careful-what-you-post-online-1557-print/
The insurance subject was intended as an aside, but it seems irrational FEAR, paranoia and fear mongering generally is a common theme with so many stalwarts on BITOG about practically everything it seems.
I guess it goes with the territory if some is concerned about a few ppms of wear metals in a UOA.
Fear of "spies" at a track day event....please.
It is not difficult making a collision claim due to a track mishap and I have counseled a few track friends over the years on the process but they are an "at fault claim" that may affect one's insurance premiums. Obviously there are a few red flags that one should avoid in the process. I know first hand of brand new Porsches that have been totalled at the track that have been covered. A late model Elise that was totaled this past summer at an event in the States I was at that was covered.
Making warranty claims for engines damaged at the track is not uncommon even thou they are usually driver errors, such as over reving by catching the wrong gear on a downshift. And yes there is an element of dishonesty when making these claims but many are successfully made nonetheless.