There is no mileage or time tracking at all, mileage is unlimited for approved purposes (such as events, transit to events, and "limited" pleasure use).

In fact, a friend that has Grundy and likes to do those Hot Rod Power Tours was told that he'd be covered from end to end if he wanted to do the whole event, so I'm sure they realize that sometimes you might end up having a claim that might look suspicious if not for the fact that there was an event during that period. Similar to how banks handle credit card fraud, I think they have a method of recognizing suspicious claims/patterns that probably works pretty well, since I can't say I've ever heard of a rash of people with legitimate claims being refused by them.

In any event, I still feel this is better than the alternative; meaning "normal" insurance that would cost about double (in my case) and offer only about 25% as much value coverage for the car in question.

 

On Grundy's online application, there was a box to check if the vehicle would be used in Race/Rally events. I checked the box just to see if it increased the premium, (expecting it would) and it didn't. I don't plan on using it a lot for racing or rallying, but it seems its covered since I checked the box.

Well see when the final decision is made on whether they will cover me or not.

 

That's interesting. When I first signed up, I did so over the phone and never filled out an online application. They faxed me some papers to fill out and sign, including the one about not being covered for racing, and I sent them back. A few days later I received the entire policy packet in the mail. Perhaps things in this regard have changed in the years since.

 

Yup that's exactly why I mentioned the occasional racing. I did the same thing and those options did not change the bottom line. (At least from the online quote perspective).

I plan to give them a call later this month.

 

Because you tick the box and the rate doesn't increase doesn't mean it's covered. I'd read the fine print to answer that question, and my bet is that it isn't covered as someone else indicated.

My policy is on the way but since I don't plan on racing the car I didn't check the racing box off. If I get it soon I can answer this question definitively.

 

Like I said we'll have to see, but I would think if they can say up front, Daily Driving the covered vehicle is not allowed, that they would say that racing/rallying is not allowed.

I did talk to two different customer service reps when I called with questions, on my application, and neither one expressed to me that checking that box was a red flag in anyway.

 

Ok got my policy documents emailed to me and we have our answer.

Checking the Box for Race/Rallying on the online application makes no difference in the cost of the policy.

Because...

E. PART A – LIABILITY COVERAGE, EXCLUSIONS, B.1.a is hereby deleted.
There is no coverage provided by this policy while “your covered auto” is: used for organized or impromptu racing, rallying, participation in any speed contest or time competitive event, or while driven on a racetrack for any reason.


So why give the applicant the option to check that box?

 

There's the fine print, hah.

 

Its interesting why they would put that query on the form.

In any case looks like you would have to buy some racing specific insurance for the track. Of course they will be much higher premiums and deductibles.
For the amount of times I go probably not worth it.

(Look up Bill Lutz or Hartline for racing specific insurance.)

 

Its certainly misleading, thinking if I check this box, coverage for racing/rallying will be included as its an intended use for the vehicle.

It could be there just so Grundy makes sure the exclusion clause is included in the contract.

I'm not looking to do a lot of racing either, seeing what it will do in the 1/4 mile with me driving at a safe venue is an interest, as well as participating in things like the touring class at an event like this...

http://pitrally.com/what-is-pitrally/

Which really isnt racing, is it rallying? I don't know. Its certainly not timed.

So yea additional racing insurance is probably not cost effective for me.

 

I didn't check the box, so I will let you know if the clause still exists in mine.

What I don't get is what is misleading? Did you think this insurance was going to cover you in racing situations? I certainly did not. No insurance, unless I guess one of the ones mentioned, is going to do that. All it is asking on the form I used is what are the intentions of the car. I did mine through my agent, but I can't imagine it's any different. Never once thought it was a request for coverage for racing.

 

Yes, I certainly did. Not illegal racing situations, but hobbyist type performance use, like described above, yes.

As someone who's never bought specialty insurance before, I figured if they have a check box for it on the application, then they offer coverage for it, and add it to the cost of the premium. No where did it say on the application that it wouldn't be covered.

When getting my Home owners insurance, I was able to specify that I wanted extra coverage for water damage, so that was added into my coverage, and I pay extra. I saw this race/rally option the same way.

 

As mentioned earlier, I never filled out an online application, plus it was many years ago that I signed up, so I'm not specifically familiar with the box that you checked off. My question is, did the box simply ask something to the effect of "do you use this car for racing", or was it more like "do you want coverage for racing"?

I think any expectations that one would have would be based on wording. If they asked you if you wanted to be covered for racing and you said yes, but then they later told you this was not covered, I would agree that it's misleading. If they only inquired about the intended usage of the car, that might simply be for their records when doing any future claims investigations, etc. As racing is typically not covered by any "normal" policy (collector or standard daily driver type insurance), I wouldn't expect racing coverage to be implied unless the form specifically asked me if I wanted to be covered for such.

 

Well clearly I was wrong.

I thought the questions might have had 2 purposes. They were there either to disqualify someone from getting the coverage, because they didn't meet the criteria they would need to follow for coverage, or the questions were there to direct the customer into the correct insurance coverage and corresponding premium.

Obviously the question was for neither of those 2 situations, as I still was offered basic coverage, but no additional coverage was offered/provided based on my response.

 

The question reads:

'Any collector vehicle used for racing or rallying'

It also asks about modifications from manufacturers specs, etc.

 

I am curious to learn more about this too. Especially if it is really that cheap. I have a good driving record, also with commerce and I pay much more than that.

My car goes maybe 2500 miles a year. Which commerce gives a discount for but still twice as much as we are mentioning here.

 

Just talk to you agent, if you have one, or apply online direct through Grundy and cancel your current policy if accepted.