Track Day Insurance

[Wojo]

I'm sure it has been asked and answered here before....but what is the best 'Track Day' insurance group to contact? VA resident heading to another event at VIR...

[Bodhii]

Track insurance is expensive and often makes a one day DE look too expensive. But if you can afford it, its a good thing to have.
WSIB seems to be the best and do pay on valid claims. They also offer on-track racing insurance for certain sanctioned events with specific organizations. On-track wheel to wheel racing insurance is per event; on-track for approved DEs can be bought per # of events per year.

CAUTION****
Please read posting below before using this link.

http://www.wsibinsurance.com/online/de.shtml

[SDR8]

Just as a warning, my internet security software (actually FireFox did it) flagged wsibinsurance and warned me not to go to their site. Below is the results:

"Safe Browsing
Diagnostic page for wsibinsurance.com

What is the current listing status for wsibinsurance.com?

Site is listed as suspicious - visiting this web site may harm your computer.

Part of this site was listed for suspicious activity 3 time(s) over the past 90 days.

What happened when Google visited this site?

Of the 130 pages we tested on the site over the past 90 days, 14 page(s) resulted in malicious software being downloaded and installed without user consent. The last time Google visited this site was on 2010-02-28, and the last time suspicious content was found on this site was on 2010-02-28.

Malicious software includes 5 scripting exploit(s), 3 exploit(s). Successful infection resulted in an average of 1 new process(es) on the target machine.

Malicious software is hosted on 5 domain(s), including pointart.o12.pl/, renowa.pl/, lovetanishq.com/.

2 domain(s) appear to be functioning as intermediaries for distributing malware to visitors of this site, including pointart.o12.pl/, renowa.pl/.

This site was hosted on 1 network(s) including AS6245 (NETWORK).

Has this site acted as an intermediary resulting in further distribution of malware?

Over the past 90 days, wsibinsurance.com did not appear to function as an intermediary for the infection of any sites.

Has this site hosted malware?

No, this site has not hosted malicious software over the past 90 days.

How did this happen?

In some cases, third parties can add malicious code to legitimate sites, which would cause us to show the warning message."

[Bodhii]

They are a legit company but maybe their website security has been breached?

[AnOutsider]

Firefox reports the same:

This web site at www.wsibinsurance.com has been reported as an attack site and has been blocked based on your security preferences.

[smoothy]

Maybe they someone hacked the site, thinking they were part of the Ontario WSIB (Workplace Safety and Insurance Board), similar I believe to OSHA in the US, the government office in charge of workplace safety and the workers comp. Theres always an angry letter in the paper about someone being denied a claim due to X, Y or Z.

[R84ME]

I've seen this before on other sites and it's usually erroneous. Somebody that knows security can chime in here but I know some web applications that install programs on a client PC can be identified as malicious when indeed they are not. I would highly recommend your anti-virus & security programs are up to date before continuing though.

[AnOutsider]

It CAN be in error (sometimes it's a rogue ad that's doing it and not the site itself) but not worth the risk

[Bodhii]

Basic info from WSIB:

DRIVERS EDUCATION

The Drivers Education Physical Damage policy is designed to provide physical damage coverage for street legal and or track prepared vehicle while “On Track”. The coverage will pick up where your standard auto policy ends, if you are participating in approved Drivers Education, Member Day, Autocross, Open Track and Time Trail event.

The purpose of the program is to provide coverage for damage to a Named Vehicle(s), driven by a Named Driver(s) while participating in a Named Event(s), each of these are to be declared within the application. Additional Vehicles, Drivers, and Events maybe added to the policy, this must submitted and approved prior to the event.

This is first party coverage only and does not extend to damage to the track, bodily injury and or physical damage to another vehicle. If you are interested in coverage that covers damage to the track and or other(s) property please ask about our Drivers Education Liability policy.

Any time the vehicle(s) is “Off Track”, the personal auto policy or an Off Track and Storage policy for the Named Vehicle(s) will provide coverage as it is not on closed course circuit course. Coverage begins and ends while the Named Vehicle(s) enters the track at Named Events only.


There are certain organizations and clubs who are pre-approved for this program. If you don’t see the organization and or club you participate with on our application feel free to submit them to us for approval.

If you are interested in applying for a Drivers Education Physical Damage policy, click on the link to the left to apply.
If you have questions or would like to speak to a representative please call
1-866-904-9742 or email Kraig Hopkins at: kraigh@wsibinsurance.com

ON TRACK RACING PHYSICAL DAMAGE

The Motorsports Division of WSIB Insurance has joined forces with one of the industry’s leading insurers
for teams, individuals and organizers in all classes of Motorsport to provide Physical Damage On-Track Insurance.

Open Wheel (Formula Cars):

On-Track Insurance includes all Open Wheeled Single Seat categories from entry level to professional racing on traditional Road Courses, Street Circuits and or Ovals (must be 2 car team complete season).

Open Wheel Coverage includes (but is not limited to):

*

* Atlantics
* Formula BMW
* Indy Lights
* Indy Racing League
* SCCA
* Star Mazda
* Other Similar Series

Sports Cars & Prototypes:

* On-Track Insurance includes
all Production based Sports
Cars as well as Prototype
classed cars. Categories
from entry level to professional
racing on traditional Road Courses
and Street Circuits can be covered.

Sports Car Coverage includes:

* Ferrari Challenge
* Grand Am Koni
* Grand Am Rolex
* IMSA - AMLS
* IMSA Lights
* PCA Club Racing
* SCCA Club Racing
* SCCA Pro Racing

Information Required Includes:

* Vehicle Value
* Rolling Chassis Value
* Length of Races
* Quality of Circuit
* Driver Experience
* Loss History
* Series Competing In


Your Coverage:

* Policies are written on a Primary “First Loss” basis covering the repair or replacement of damaged parts following accidental damage or fire while competing, testing or qualifying. Coverage can either be arranged on a race-by-race basis or as part of a seasonal package depending on your requirements. Premium rates for seasonal coverage are more cost effective than those purchased on a race-by-race basis.

* Your policy can be arranged to cover the full value of vehicles, either by offering an excess layer of accidental damage and fire, or a catastrophe protection layer up to the full amount insured.

Coverage is offered on the basis of these significant perils, exclusions and conditions:

* To cover the insured vehicle against PHYSICAL LOSS or DAMAGE cause by an Accident or Fire while in motion under own power and/or while the race or practice is deemed in progress.

* Additionally coverage includes the requisition, confiscation or impounding of the vehicle following an accident should the vehicle not be returned by the authorities.

Period of Coverage

* Coverage is provided for the whole period of the official race event, which includes:

* Any official testing, qualifying and racing that is part of the race weekend.

* All free race, testing session, or qualifying session is deemed in progress sessions and qualifying in addition to the race(s). Typically this is in the format of testing on the Friday, qualifying on the Saturday and racing on the Sunday of the race weekend.

* Private testing can be incorporated into policy coverage for an additional premium per half day or day. Typically any driver evaluation, track orientation or vehicle setup activities outside of the official race weekend must be treated as private testing.

Cancellation Terms

* Insurers do treat early cancellation on a risk-by-risk basis and are not duty bound to return pro rata premium on seasonal deals cut short.

[krpman]

We know you had a small accident so are you speaking from experience?