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Am I Covered While Driving On-Track?
Each year Porsche Club of America Regions organize many high-performance driver's
education events. Over the years PCA has earned a tremendous reputation for
putting on educational, safe, and structured events. These events target what
PCA members are most passionate about - appreciating the fine automobiles they
own in a way that just can't be recognized in daily street driving.
For many years PCA driving enthusiasts had a sense of comfort knowing that their
standard auto policies covered them while participating in PCA Driver's Education
events. Most policies had language that only excluded coverage while participating
in "timed or competition events." Since PCA DEs are educational in
nature and untimed, most insurers would pay for damages incurred at these events.
Incidents causing damage to vehicles at PCA DEs are rare, but when they do happen
the damage can be significant.
Around the 2003-2004 timeframe, it seems that many insurance underwriters recognized
the additional exposure presented by individuals involved in DEs and modified
their exclusions section accordingly. At the beginning, a few companies implemented
new language to exclude coverage "on a surface used for racing", "in
a performance driving event", or even worse "at a racetrack facility."
Since the initial rollout of the exclusions, it seems that the majority of auto
insurers have followed suit with these restrictive exclusions for individuals
involved in DEs.
Many PCA DE enthusiast members have researched this topic in the past, prior
to 2003, and believe that they are still covered while driving in events. Enthusiasts
must understand that insurers do have the ability to change policy terms at
each policy renewal. The typical policy holder receives their renewal, looks
at the bill, and sends a check to renew their policy. In the pages following
that bill, insurers include a coverage update that details any policy changes.
Unfortunately these changes often go unnoticed by insurance consumers.
For individuals involved in DEs, it is very important to review your policy
before you go to your next track event. Many insurance consumers don't file
their current policies, but insurance agents will always send a copy of the
current policy upon request. A quick review of the exclusions section of the
policy typically reveals any language targeted at eliminating coverage while
participating in events held at racetracks. Enthusiasts' vehicles are often
the most treasured property they own, so it is important that they do their
research and understand whether coverage is included under their standard policy
while participating in DEevents.
DE Participants that do not have coverage under their standard auto policy and
aren't willing to take the financial risk of driving on track without coverage
do have options available. PCA has partnered with Lockton Affinity, the administrator
of the HPDE Insurance Program. The PCA - HPDE Insurance Program offers single-event
physical damage insurance at a very affordable rate. The premiums are based
on value, and the average premium for our members is $205 per event. When applying,
PCA members can enter their member number to receive a 10% discount on their
Do not assume that you still have coverage while participating in DEs based
off of research or questions asked to your agent years ago. Before your next
event, check your policy and go to that event knowing whether you will or will
not be covered in the case of an unfortunate incident that causes damage to
one of your most prized possessions. If your research shows that you do not
have coverage, consider getting supplemental through the PCA - HPDE Insurance
Thought you would all like this resource for free service manuals:
They also have many articles about Porsche 944's
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January 2, 2011
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