Insurance and DE days

[JFERR]

I get HPDE insurance through Lockton for every DE day and it's getting to be too expensive. I just read my entire GEICO auto policy and it says nothing in the exclusions about not covering closed circuit events or surfaces designed for competitive events or driver education. Can any of you insurance experts point me in the direction were it says DE days are excluded. Or can someone share personal experience?

Thanks,

[therock88]

I get HPDE insurance through Lockton for every DE day and it's getting to be too expensive. I just read my entire GEICO auto policy and it says nothing in the exclusions about not covering closed circuit events or surfaces designed for competitive events or driver education. Can any of you insurance experts point me in the direction were it says DE days are excluded. Or can someone share personal experience?

Thanks,

Hi There,

I have no experience with GEICO, nor do I have a copy of their declaration pages. I will say that in general you have first party coverage while driving on public roads and there is language in there somewhere that will exclude any type of competitive event or use on non-public roadways not used for normal transportation....It may be buried, but I assure you that there is language that will make any claim that arises out of any event other than "normal" driving a contestable issue. It will likely be excluded from all coverages also (liability, comprehensive, & collision)....It will likely be listed under exclusions relating to use on "public roads" and not on roadways designed for racing or any other pre-arranged events.

Your best bet is to ask your agent....Or in GEICO's case you will have to call a 1-800 number.

So my bet is that you will NOT be covered by your regular auto policy.

DC