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Ford Raptor Forums - General Information
Off-Roading Your Raptor
Off-road Insurance???
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<blockquote data-quote="letsgetthisdone" data-source="post: 1564240" data-attributes="member: 32303"><p>The premiums for "off-road" insurance, if it existed, would be pretty insane. Track day insurance for my car, which is on a paved surface in a controlled environment, is ~$400 a day for an agreed value policy of $45k with a 10% deductible. That's for a typical track day which is 5 20-30 minute sessions on 2-4 mile tracks. So they're really only expecting you to go ~100 miles in that day. And thats going around the same track over and over. I know someone who had to make a claim on his policy, and the rates to cover his new car are triple (over $1k) to cover his new car...</p><p></p><p>The inherent increased risk of offroad due to - the potential for ever changing trail conditions, you don't usually repeat the same 2-4 miles of trail all day, the potential for someone to hit you as oncoming traffic or from an intersecting trail, as well as any other factors due to you being in a 100% uncontrolled environment. I don't see any insurance carrier offering coverage for that. The price they would have to charge, I don't think anyone would buy it.</p></blockquote><p></p>
[QUOTE="letsgetthisdone, post: 1564240, member: 32303"] The premiums for "off-road" insurance, if it existed, would be pretty insane. Track day insurance for my car, which is on a paved surface in a controlled environment, is ~$400 a day for an agreed value policy of $45k with a 10% deductible. That's for a typical track day which is 5 20-30 minute sessions on 2-4 mile tracks. So they're really only expecting you to go ~100 miles in that day. And thats going around the same track over and over. I know someone who had to make a claim on his policy, and the rates to cover his new car are triple (over $1k) to cover his new car... The inherent increased risk of offroad due to - the potential for ever changing trail conditions, you don't usually repeat the same 2-4 miles of trail all day, the potential for someone to hit you as oncoming traffic or from an intersecting trail, as well as any other factors due to you being in a 100% uncontrolled environment. I don't see any insurance carrier offering coverage for that. The price they would have to charge, I don't think anyone would buy it. [/QUOTE]
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Ford Raptor Forums - General Information
Off-Roading Your Raptor
Off-road Insurance???
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