Ariel.Club Forum

I will say this...

Rally writes policies for American Modern, so American Modern is the insurer and Rally is only the agent or "producer" in insurance-speak.

There are other agents that sell American Modern policies, so you're not tied to just one vendor for American Modern coverage.

Boy, this is a blast from the past! 

But actually, I had never seen this thread before, so I just now voted.  Rally for me.  They've always been easy to work with.

USAA in Nevada

I've never heard of track day insurance until I came to this group. Always assumed it was a UK/Europe thing. Does not surprise me one bit that US companies refuse track coverage. I've even heard some won't cover it if it's in a parking lot at a event. Disclaimer says it won't cover the car while on the premises of any motorsports track (which includes the parking lot).

Point well taken. ;D :tu:

[quote="rfmarz"]
cshama, just to clarify, I did not [i]keep[/i] asking for track coverage. I merely asked why they hold track miles against you when you are not being covered for that time. Of course one could be dishonest and disconnest the speedo but we wouldn't stoop to that level now, would we?  I want as many insurance choices as possible. I wouldn't do anything to compromise our groups insurability. We're all in this together. :tu:
[/quote]

If atom members get a rep for  tracking the car we may have a problem getting insurance anywhere. I really believe in talking as little as possible about this car to insurers. I think without asking you can count on the fact that there are no insurers that will cover you on the track at this point. The trouble is, is that the car looks like a race car so I believe it is best not to underline that point by even mentioning tracking.If you had spoken to Sean as recommended your conversation would have been easier.

Once you have your atom and get registered and insured I can see you becoming as sensitive as me :)

cshama, just to clarify, I did not [i]keep[/i] asking for track coverage. I merely asked why they hold track miles against you when you are not being covered for that time. Of course one could be dishonest and disconnest the speedo but we wouldn't stoop to that level now, would we?  I want as many insurance choices as possible. I wouldn't do anything to compromise our groups insurability. We're all in this together. :tu:

[quote="Karl"]
[quote="bolus"]
I think the only exclusion was for a driver under 26 in the home.  Then I would have had to sign a form saying they were excluded.
[/quote]

I have yet to figure out what format the "magic driving talent" the insurance companies give you when you turn 25/26 comes in.  Is it a book?  Instructor-hours?  A [i]The Matrix[/i]-style brain software program?  Anyone here work in insurance who could clarify?
[/quote]

Its all probabilities- thats why I get low insurance even though I am a grave risk to myself and others :)

[quote="Karl"]
[quote="bolus"]
I think the only exclusion was for a driver under 26 in the home.  Then I would have had to sign a form saying they were excluded.
[/quote]

I have yet to figure out what format the "magic driving talent" the insurance companies give you when you turn 25/26 comes in.  Is it a book?  Instructor-hours?  A [i]The Matrix[/i]-style brain software program?  Anyone here work in insurance who could clarify?
[/quote]

http://en.wikipedia.org/wiki/Actuary ;)

[quote="bolus"]
I think the only exclusion was for a driver under 26 in the home.  Then I would have had to sign a form saying they were excluded.
[/quote]

I have yet to figure out what format the "magic driving talent" the insurance companies give you when you turn 25/26 comes in.  Is it a book?  Instructor-hours?  A [i]The Matrix[/i]-style brain software program?  Anyone here work in insurance who could clarify?

I think the only exclusion was for a driver under 26 in the home.  Then I would have had to sign a form saying they were excluded.

One thing about Rally is they seem very intent on the garaging of the vehicle, and garage location.  They also want to know who in the houshold is driving it, in such clear fashion, that Im pretty sure that if someone else is driving it, there is zero coverage??? I guess I have heard that of other companies, but I never had a claim so I assume that if a friend is driving my pick-up and hits someone, theres coverage. Doesnt look that way with Rally... anyone confirm?

Do everyone a favor and just speak to Sean ;) I spoke to the woman in question and I suggest you ONLY speak to sean. I dont think anyone would be happy losing another insurer. Noboby will insure you for the track and if you you keep asking Rally about it we will all get dropped imho

As for anyone else insuring the atom - well Progressive wont do it now . After writing me a policy they subsequently gave me the bums rush after anothe prospective atom owner asked the wrong questions :-[

Remember no insurer wants to insure a race car.

[quote="rfmarz"]
Yea, the lady I spoke with was very nice. She laid down the law on how you can use your Atom though- No commercial use, No daily driving, No track coverage, No one with less than 10 years of driving experience driving it, etc. The 3,000 mile limitation is what bugs me the most. She also told me that No one else will insure an Atom. Based on this forum, that doesn't seem accurate. Anyone else have a better idea as to where to insure an "exotic" car?
[/quote]

You should work with Sean.  He was really pretty cool.  Here are the others that are more national based:

http://forum.atomclub.com/index.php/topic,4005.0.html

I need to give leland west a call again.  Last time I called they said no but the person I talked to didn't know much at all

Yea, the lady I spoke with was very nice. She laid down the law on how you can use your Atom though- No commercial use, No daily driving, No track coverage, No one with less than 10 years of driving experience driving it, etc. The 3,000 mile limitation is what bugs me the most. She also told me that No one else will insure an Atom. Based on this forum, that doesn't seem accurate. Anyone else have a better idea as to where to insure an "exotic" car?