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Messages - Wayne Dyck
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31
« on: February 01, 2018, 07:17:58 PM »
Maybe we start a list of Insurers motorsports friendly...
Friendly
Peace Hills - thru Western General (broker), Roy Howerton
Not Friendly
AVIVA
Northbridge
Intact
Stoneridge
Aurora
Frank Cowan
Cansure
Royal Sun Alliance - they would provide liability, no collision / comprehensive
Economical
April Canada
Wawanesa
SGI
Dominion
32
« on: February 01, 2018, 07:13:01 PM »
interesting discussion here. so with the points Wayne highlighted, will your coverage be considered void or just open you to a termination once found out? My understanding is both... Last year when I insured one of my cars I just outright told my broker I bought it to take to lapping days and autoslalom and he made specific notes of that on the policy for me so they couldn’t come back and say they knew nothing about it.
Correct... as long as it's identified on the SAF 1 application, insurance other than during event competition is valid
33
« on: January 31, 2018, 05:59:10 PM »
And probably spend all year figuring out a good setup for the car 
If ProParts did the revalve good chance Jeff Wong did the work. He would be a good source for baseline.
34
« on: January 31, 2018, 12:58:44 PM »
The real problem with the insurance industry is that there is no Standard Endorsement Form (S.E.F.), provincially or nationally, that allows for coverage exclusion during racing, competition or speed contests. This would require a change be made to the Provincial Insurance Regulation Act, and not likely to happen as motorsport is frowned upon by the general population. As a result, without an S.E.F., virtually all insurers will not provide coverage knowingly to persons using there vehicle in speed / competition events.
35
« on: January 31, 2018, 12:22:54 PM »
This past fall my insurer, a very large national insurer, became aware that I use my vehicle for autocross. Their immediate response was; “The vehicle needs be removed from the auto policy. Vehicles that are used for racing are not covered under a personal lines policy”. I have always been of the impression that my auto insurance coverage was not effective while autocross racing, but remained in effect during personal use between events. Sadly this is not the case.
With the help of my existing insurance broker, along with a few others I explored for alternative coverage, I’ve become more educated on the subject of Personal Lines Auto Coverage. This is what I discovered:
Alberta Standard Automobile Policy S.P.F. No. 1
• Exclusions; The insurer shall not be liable where the person at the time of the accident is engaged in a race or speed test.
From this wording you would expect that insurers would not be liable for coverage during an autocross event, which makes sense. But there’s more…
• Prohibited Use by Insured; The insured must not drive or operate the automobile in any race or speed test.
• Prohibited Use by Others; The insured must not permit or allow the use of the automobile in any race or speed test.
• Termination; The contract may be terminated by the insurer giving to the insured 15 days notice of termination by registered mail or 5 days written notice of termination personally delivered.
From this additional ‘prohibited use’ wording insurers do have the right to terminate policies where the insured allows ‘prohibited use’. And they clarify that right in their own policy wording…
Private Passenger – General Rules Section (similar wording in most Insurers’ Policies)
Binding Authority / Adverse Contractual Action – Private Passenger Vehicles
• Brokers are authorized to bind coverage on behalf of “Insurer”, with the following exceptions:
o Any vehicle with substantial after-market modification for enhanced speed or racing by either 1 of; turbocharger, supercharger, nitrous system
or any 2 or more of; interior roll cage, modification to ground clearance, modification to tire circumference or use of tires designed for speed or racing, any engine modification including engine swap designed to enhance speed.
o Any vehicle operated on a racetrack, or in any speed contest or competition.
This last bullet is the zinger… autocross is a speed contest / competition.
• The following situations permit Adverse Contractual Action to be taken under the Province of Alberta Insurance Act Regulation 28/2015:
o Risks where the insured or the applicant;
Provides false information on the application,
Makes any misrepresentation on the application.
To sum this up…
Failure to disclose to your broker or insurer ‘Autocross Use’ allows for your insurer to terminate your Personal Line Auto Policy under any number of the above bullets.
And yes I was able to secure a new Personal Line Auto Policy for my car, with the knowledge it is used for autocross racing included in the application and my acknowledgement of ‘Coverage Exclusion during Autocross Racing / Competition’.
Coverage was provided through Western General Insurance Services, Roy Howerton (403) 250-9118.
36
« on: November 23, 2017, 10:08:21 AM »
Review the SCCA Street Touring rule set...
All should be revealed in there. STH is a subset within Street Touring starting 2018. Basically suspension is pretty wide open in ST classes.
37
« on: October 17, 2017, 01:26:15 PM »
Nissan (McGard brand) wheel locks.
M12 x 1.25 thread I believe
text to pick up 403 990 7878
38
« on: October 16, 2017, 10:58:40 AM »
Brand new V Belt, gathering dust in my garage.
p/n 809218370
18 x 5 x 874 v belt for alternator
text to pick up 403 990 7878
39
« on: October 13, 2017, 03:37:52 PM »
I have the keys.
3:00 pm Saturday so we're down in decent time.
40
« on: October 11, 2017, 01:55:40 PM »
I’ll pick up keys, etc from Reijo Friday.
Let’s make it 3:00 Saturday for setup so we’re done in decent time.
41
« on: September 09, 2017, 03:02:58 PM »
When do these changes get officially signed off for the coming year?
Its my first year racing under SCCA classing rules so I'm not sure how this works.
The SCCA will address their proposed STH class in a Fastrack publication prior to 2018 if it's approved. As with all street touring classes there will be specific tire, wheel, suspension allowances as well.
42
« on: August 13, 2017, 06:38:00 PM »
Well folks... it's a wrap... the 'FAT KAT' Challenge for 2017
Consistency was the order of the day, if you wanted to advance in the challenge rounds
Group #1 Greg (#120) was into the Final 3 beating Shane (#73) by a slim 0.135 sec
Greg did have a bit of luck fall his way in round 3 when Duane (#4) also coned his run
Group #2 Ryan (#42) showing us, no matter which BStreet car he drives, he's consistent
Group #3 Quentin (#93), hopping in to which ever BStreet car Ryan provided him, was another model of consistency
FINAL 3 Shoot Out
Ryan coned his run away, although it would not have been good enough to win, it would have moved him into 2nd place. For this he took home $100... not quite enough to cover his tire wear bill this weekend.
Quentin slowed down by a full second in his final shoot out run, relegating him to 2nd place, but taking home $300 for his efforts today.
And then there's Greg Piasta, a newbie to this solo sport of ours, taking home 1st place prize money of $600.
Congratulations Greg!! Good driving today. I have no doubt you're hooked.
43
« on: August 11, 2017, 10:38:41 AM »
See you at 5:00 Reijo
44
« on: August 10, 2017, 10:39:59 PM »
Came across this insurance provider the other day. And yes they do provide coverage in both the United States and Canada. https://locktonmotorsports.com
45
« on: August 09, 2017, 11:18:52 AM »
Is that a fair description in elementary terms, Wayne? Please make corrections as needed! 
R
That about covers it Reijo. I wanted everyone... fast or slow... to be able to compete on equal terms for the challenge.
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