K&K Car Insurance Review & Ratings (2022)

K and K Insurance (K&K) is a specialty insurance company that provides high-risk sports and recreation coverage. The company covers a variety of small businesses and organizations in the sports and recreation field. For example, affordable K and K (K&K) car insurance policies are available for motorsports teams. Learning more about K and K (K&K) Insurance will help you determine if it's the right fit.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 1712 Magnavox Way
City: Fort Wayne
State: Indiana
ZIP Code: 46804
Phone Number: 1-800-506-4856
Year Founded: 1952
Company Rating 0 (0 reviews)

The Rundown

  • K&K Insurance provides general liability coverage to motorsports teams
  • K&K Insurance has been rated an A+ by the Better Business Bureau
  • K&K has received a few complaints

K&K Insurance provides car insurance to motorsports teams. The coverages include disability income, and the company has few complaints. Knowing about K and K Insurance (K&K) will help you decide if it’s the right fit.

Before jumping into this K&K Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

What coverages are available from K and K Insurance (K&K)?

K&K Insurance provides insurance to individuals and organizations in high-risk sports and recreation activities. The company offers coverage for personal and property damage. Some of the types of companies that receive K&K insurance include:

  • Amateur sports teams
  • Amateur sports associations
  • Dance halls
  • Skating rinks
  • Fitness clubs
  • Camps
  • Outfitters

The company strictly provides general liability coverage when it comes to auto insurance. Similar to coverage for the types of companies mentioned above, the Insurance Information Institute says there are two types of general liability auto insurance.

Affordable K and K (K&K) car insurance plans primarily cover motorsports teams. These teams own cars that could be damaged during a race or outside of the track. This coverage is helpful for small organizations that are not well funded and require cheap insurance to repair the vehicle.

K&K’s motorsports disability income coverage provides insurance for full-time racers that experience a debilitating accident. This coverage is only available for full-time racers with a good driving history. Boat drivers and part-time racers are ineligible.

The coverage is available for auto racers who suffer a permanent or temporary total disability due to an accident. The benefit period of those with a temporary disability lasts between 52 and 104 weeks, depending on the specific injury.

Regardless of whether the disability is temporary or permanent, this insurance provides the same coverages, including:

  • Accidental death and dismemberment
  • Accident medical expenses
  • 24-hour racing activities coverage
  • Racing activities only coverage

Additionally, K&K provides certain commercial coverages for race teams. These policies cover the team owners should an accident occur. The commercial auto insurance provided by K&K includes:

  • Auto liability
  • Building
  • Business personal property
  • General liability (non-racing)
  • Workers’ compensation

While K and K (K&K) car insurance rates provide coverage for motorsports vehicles, there are situations in which the cars are not on track. For example, the vehicles might be driven from a stored location to a racing facility for an event.

To ensure the best coverage, K&K also offers off-track insurance. Individuals, race teams, and sanctioning bodies can receive coverage for racing vehicles if they’re not licensed or registered for public road use.

The purpose of this type of coverage is for vehicles used in competition. Larger vehicles are used to haul them to the racing venue. Some of the causes of physical damage losses involving these vehicles might include:

  • Fire
  • Theft
  • Trailer upset

K&K also provides insurance for the facilities that host racing competitions. In many cases, a facility’s liability is more expensive than an individual vehicle. Therefore, insurance for a facility usually results in higher K and K (K&K) car insurance quotes than for cars.

When the company makes any changes to policy options, such as adding new policies, they update the information on the K&K Insurance news section of the website.

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What are the ratings for K and K Insurance (K&K)?

Credit rating agencies regularly review and rate auto insurance companies based on financial strength. However, reviews haven’t been completed about K&K by any major credit rating agencies, including A.M. Best, S&P, Moody’s, and Fitch.

The company did receive accreditation from the Better Business Bureau (BBB) in 2009. The BBB has given K&K a rating, which indicates the organization’s opinion of how the business is likely to interact with customers.

According to the BBB website, K&K has an A+ rating, which says that the company has transparent business practices, few complaints, and will deal with any issues customers might have. This rating indicates that customers will have a satisfying experience dealing with K&K.

Does K and K Insurance (K&K) have any complaints?

The Better Business Bureau allows customers to list complaints on the organization’s website. At the time of this review, the BBB has received six complaints about K&K Insurance over the past three years. Two of those complaints have come in the last 12 months.

K and K Insurance reviews also appear on Yelp. There are 17 reviews about the company on the site, with each rating the company between one and five stars. An examination of the reviews shows that one is four stars and two are five stars. The remaining 14 reviews gave a one-star rating to the company.

How can you file K and K Insurance (K&K) claims?

Customers who buy K and K (K&K) car insurance can file claims online, by fax, or over the phone. For online claims, forms are available for the appropriate type of policy. The link to the document is under the Claims tab on the K&K company website.

Customers that prefer to file a claim with a representative can do so over the phone. The best way to file a claim by phone is to call the K and K Insurance phone number for claims at 1-800-237-2917.

The third way to file a claim is to do so by fax. You can download a PDF of the claims form from the company website, fill it out, and fax it to the company. The fax number depends on the type of claim you’re filing. The following are the K&K claims department fax numbers.

  • Property and casualty claims: 312-381-9079
  • Participant accident claims: 312-381-9077

After filing a claim, a representative will follow up by phone or email. They will explain the next steps you must complete to receive a payout.

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What is the K and K Insurance (K&K) company history?

The K and K (K&K) car insurance company was founded in 1952 by Nord and Teddi Krauskopf. The original purpose of K&K Insurance was to provide accident medical benefits to injured race car drivers. In 1993, the pair sold the company to the Aon Corporation.

Over time, the company expanded to include all aspects of the motorsport industry. Today, the company is one of the most far-reaching managing general underwriters in the U.S., with over 70 specialty programs for high-risk activities.

K and K Insurance (K&K): The Bottom Line

K&K provides auto insurance for motorsport participants and teams. The company’s coverages protect racing vehicles while on the track, in storage, and moving to a racing facility. Learning more about K and K Insurance (K&K) will help you determine if the company is right for you.

Now that you know about K and K Insurance (K&K), enter your ZIP code to find free auto insurance rates in your area.

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