Racing Autos-Automobile Clubs and Associations

MUTUAL
Any type automobile which may be used in a race or speed contest including hot rod, dragster or similar type autos is ineligible.
NOTE: Autos which are modified mechanically so as to increase speed or acceleration are not acceptable. See also Altered Autos.


Sports Car Clubs

The Sports Car Club of America and other similar clubs sponsor contests or exhibitions of navigation and precision driving skills. All-out speed is not a part of these events, nor is time in the sense that the lowest time over a given distance is essential to "winning".
Automobiles owned or operated by members of such clubs and used for personal pleasure or business but occasionally driven in a sponsored rally or gymkhana may be insured if the risk is otherwise eligible and acceptable.


RALLY

An officiated event involving an automobile test wherein precision driving and navigational skills are stressed. Each car entered must individually follow a prescribed route at specified legal and reasonable speeds. No portion of a rally may require participants to engage in an all-out speed contest.


GYMKHANA

An officiated event set up in a parking lot or other restricted area with a driving course laid out with pylons. Cars are driven one at a time against the clock through the course which includes slaloms, serpentines, figure eights, garaging, and parking. Emphasis is on driving skill and handling characteristics of the car with horsepower and top speed unimportant. Top speed is usually less than 30 m.p.h.


Social Automobile Clubs

In some part of the country, you may find students at the local high school have formed a type of club which is in the true sense, a youth social club and which actually and actively promotes safe driving, development of sound driving habits, and better knowledge of the mechanical aspects of the automobile. Some of these clubs may actually be formed, sanctioned and controlled by the high school authorities. There will be but a few truly having these goals and which do not allow engine modification or body customizing.
Automobiles owned or operated by members of such clubs and used for personal pleasure and business use may be insured provided:
-The risk is otherwise eligible and acceptable, and
-The automobile is not driven in races, speed contests or exhibitions of speed, and
-The automobile has not been modified mechanically so as to increased speed or acceleration, nor has the body been customized, and
-We are assured customizing and/or engine modifications will not be made.

Statements concerning rallies and gymkhanas apply here also.