Quote:
Originally Posted by Caelric
While we all understand that HPDEs and Track Days are not competitive events, almost all insurance companies and warranty programs consider that it you are on any form of race track, even if for a 'non-competitive event' such as an HPDE, they consider it to be competitive and will not honor insurance and/or warranty claims.
I have USAA, considered one of the best, if not the best, insurance company in the US, and they, like all other insurance companies make it more than clear that if you are on a track surface, you are not covered. This goes for most warranty programs, as well.
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We have had students have incidents while attending HPDEs. With the proper documentation and reports proving it was a non-competitive event, their insurance covered. If you have a clause that specifically specifies that you are not covered on a race track, then it is a different story.
As for warranty, as others have stated, the BMW documentation is not explicit about use on a track, which makes it open to interpretation.