Off-course and storage coverage protects competition vehicles from physical damage losses due to fire, theft, trailer upset and other comprehensive losses, and for most other physical damage claims that might occur when the vehicle is not operating under its own power. Other eligible property includes the trailer, spare parts, major tools, and equipment. This coverage is written on a "risks of direct physical loss" basis, subject to policy terms and conditions. It applies whenever the insured property is stored, transported to and from events, and also while it is in parking and garage areas. This coverage does not apply to on-track physical damage or at any time when the scheduled competition vehicle is operating under its own power.