ARE YOU INSURED DURING YOUR TRACK DAY?

YOUR STREET LEGAL PLATED VEHICLE-a plated street legal vehicle has an exclusion within the

automobile policy that could affect you if you injure yourself, injure another person or damage your car.

This exclusion applies to any vehicle while being used in any speed or demolition contest or in any stunting activity or in practice or preparation for any such contest or activity.

Definition of Speed Contest-a person engages in a Speed Contest when he or she uses a motor vehicle to race against another vehicle, a clock or other timing device. A TSD rally is not a speed contest.

Does your track day allow passing?

Does your track day measure your lap time?

Are you measuring your lap time?

Is it your word against your insurance company. They don’t want you on a race track and they don’t want to pay because you on a race track. In fact, they may wish to cancel your insurance.

YOUR OPTIONS:

1. Ignore the issue and take your chances.
2. Contact your agent/broker and take your chances.
3. Understand you at the track insurance and options.

LIABILITY:

Once you read, complete and sign the waiver and release you are included as an additional insured under the operations of the event promoter. The policy will defend you if you are named in a lawsuit from an on track or at the track incident. The event policy may not respond where the driver/vehicle operates the vehicle outside the operations of the event.

Examples of operations outside of the event are when a driver intentionally damages or causes bodily

injury with another vehicle, Bodily injury or property damage from a visitor to your pit/paddock stall or bodily injury or property damage from the use of a support vehicle such as a golf cart or UTV.

Additional Insurance is available to cover your pit/paddock operations, use of a support vehicle, excess coverage over the event insurance and other actions (not criminal) outside of the operations of the street day.

1 year Premiums start at $500 for $1,000,000.

Visit http://stoneridgespecialty.ca/purchase-owners-sponsors-liability/ to price and purchase on line

ON TRACK PHYSICAL DAMAGE-CRASH DAMAGE INSURANCE:

Track day physical damage is available for damage to your personal vehicle while participating in a track day.

One day pricing is $6.10 per $1000 of vehicle value with a 10% deductible.

Multi day rating is available for best pricing.

Subject to $350.00 minimum premium. Plus taxes and fees. This is per policy, not per day

Visit http://stoneridgespecialty.ca/purchase-on-track-physical-damage/ to price and purchase on line.

StoneRidge Specialty Insurance is Canada’s provider of motorsports/track day insurance. Canada’s only full time dedicated motorsports underwriter with over 30 years of motorsports insurance experience.

For further information:

Contact Kory Besta-koryb@stoneridgespecialty.ca or 226-318-1744, ext 3

Visit: www.stoneridgespecialty.ca

The coverage above as presented is only a summary and is subject to the detailed terms, provisions and conditions of the policy to which it pertains

April 2017.

1336 Sandhill Drive Unit 4, Ancaster, ON L9G 4V5

Phone: (226) 318-1744 Fax: (905) 648-7399 –www.StoneRidgeSpecialty.ca