I don't think all the "normal" insurance companies started adding language that excluded events on race tracks because no one was making claims.
That said, still an individual choice. I ran the numbers for me and for the number I'm at it makes more sense to have it, thats really what anyone should do, assess your risk and run the numbers for you, and go with what makes sense.
I have a hard time understanding buying multi event policies though. If I purchase 6 or 9 events worth of policy, it seems like I'm naturally assuming I won't have an issue (and if I believe that I why am I buying insurance in the first place?) For example, if I bought 9 events coverage and had an off and busted a clam or two up good, it could very well be 8 months or more before everything was repaired whole and you could easily be out the majority of cash I laid out for coverage in the first place. I'd love to save the cash though, so if I'm missing something I'd love to be enlightened!
"Give a man a match, and he'll be warm for a minute, but set him on fire, and he'll be warm for the rest of his life."
Last edited by jds62f; 02-12-2015 at 07:18 PM.