Drift car insurance

Thread in 'Drifting Chat / Pictures / Videos' started by Foshizzle, Jan 16, 2015.

  1. Foshizzle

    Foshizzle New Member

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    Hey guys, so I bought a 700 dollar drift missile and am very new to this whole drifting scene, and one grey area that I don't hear much about is insurance on these things. After getting quotes from insurance agents and such, this cheap entry to the sport seems to to be multiplying in price from what just the car costs. How do you guys work this out? Just not tell the insurance company and drift on your personal policy? One option I was given was to purchase a LLC and get a business policy on the car, so if I am sued only the assets of the company are at risk. Just wondering if there are any cheap, but moral/legal options that I have not yet considered? Thanks guys
     
  2. dan_gsxr

    dan_gsxr Member

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    do you mean insurance for using it on the track? as far as I know there isn't many people that will cover you for that

    other than that I just insured it as a normal car (with mods) and its just a normal cost of running a car but it wasn't covered for any kind of track use.

    if your using it for drifting and someone gives you a tap its just one of those things
     
  3. CBRParr

    CBRParr Active Member

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    Just a tap..


    But yes dan_gsxr is right. There are companies that specialise in the type of car (modified) but not necessarily the sport. Some track day insurance companies may cover drifting but I've never been down that route.
     
  4. Stavros

    Stavros Active Member

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    Good luck finding an insurance company that will insure you when on track drifting.

    Your insurance is for going to and from the track.

    On track is at your own risk.

    And on a 700dollar car, it's not much of a risk.
     
  5. Foshizzle

    Foshizzle New Member

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    The problem isn't getting insured for damage on my car, it's for accidentally damaging someone else's property (other cars, track, spectators, etc) and getting sued. I realize that getting sued is pretty unlikely, but with my personal assets at risk, I don't want to just take my chances. Any ideas?
     
  6. initial_j

    initial_j Made guy

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    who on earth has put these ideas in your head dude?

    Its a racetrack. I can safely bet not a single person on this forum that attends drift days has drift day insurance. Mainly because it doesnt exsist and people dont sue each other. Motorsport is dangerous, accidents happen and you sign disclaimers. Not heard of anyone in drifting ever being sued.
     
  7. oo7

    oo7 Member

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    Only one saying on this if you have a tap/wack on track you bent it you mend it easy :D
     
  8. Foshizzle

    Foshizzle New Member

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    It's a bummer because since I'm under 18 it's my parents that would be liable, and their the ones that are worried being that they would be at risk being I get sued (I know it never happens, but it's still possible). Also since my dad is an insurance agent, he is the one giving me the information.
     
  9. initial_j

    initial_j Made guy

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    in the nicest possible way, your dad should really do some research then. As there is no such thing as insurance for drifting. It does not exsist and once your on a racetrack you sign a waiver. The tracks insurance is liable for public injury, not you. You dont have the right to sue other people if you have an accident on track or motorsport wouldnt work.

    There are probably over 1000 people that regulary attend drift days. Not a single one of them has insurance covering them on track. It doenst exsist.
     
  10. Gogzy

    Gogzy Active Member

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    i take it this kid is from america.....yea we tend not to sue people over here if we end up hitting folks cars/damaging the track

    its just one of those things that you take that risk on.
     
  11. initial_j

    initial_j Made guy

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    ahh, i missed that bit. In that case no idea. Id suggest trying on an american forum then, or persuading your fellow americans to stop being cunts and sueing each other for absolutely everything.
     
  12. Marg

    Marg Member

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    My mate was charged for a fence a pod. Just saying. Unlikely at a proper circuit track,
    No doubt it went in personal pockets as when drag racing were not charged for damaged walls ect
     
  13. initial_j

    initial_j Made guy

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    Being charged for something and being sued for it are two different things though. And even so, no insurance policy would of paid for it on his behalf
     
  14. Marg

    Marg Member

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    Yeah, agreed, I think any charge / sue is wrong really! And unlikely, that's what your paying to be there for.

    Just drive, worrie about being sued when it happens! Lol
     
  15. docwra

    docwra Active Member

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    Agree with the 'Murica bit, but if you can get trackday insurance why cant you get driftday insurance? Santa Pod might be difficult as its not really a circuit but Lydden, Anglesey or another proper circuit, why not?

    You dont have to tell them you will be driving like an utter tool ...........
     
  16. chr15_84t3

    chr15_84t3 Member

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    Don't Sky do policies to cover drift cars drifting on tracks now? i'm sure it was on a thread here a while back :/

    As has been said, the majority of people on this forum are in the UK and insurance and liability are probably a lot different in the states, you'll probably have more luck asking on a US based forum
     
  17. gaz_moose

    gaz_moose .MTM.

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    imaging the claims. im suing you because I crashed into you because I couldn't see through your tyre smoke.
     
  18. Tony N

    Tony N Member

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    Damage to other people's cars is surely waived as that's the whole point of signing on. I can't see any circuit charging for damage as that's kinda their core business. The only exception I can think of is the Nurburgring but that's technically a public highway. I think the pod thing was because people were specifically told to stop trying to 'run the fences' but carried on anyway.
     

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