Track insurance

[AHP]

$400 is what I was paying Hagerty for (up to) 3 days coverage; unfortunately they don't prorate if it's a single day event (edit: I never tried calling to see if that was negotiable; their site didn't offer options) . Lockton was competitive as well. I ended up getting an annual policy through Open Track -- for me if I do at least 6 events a year (definitely) the annual policy was cheaper than buying individual events. AND... I now have 4 cars insured under it so it's an incredible deal if you plan to track a lot, especially with multiple cars.

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[AdamP]

Awesome. I've updated the 1st post to list track insurance that has been mentioned and will continue to do so.

 

[romanLegion9574]

I've used Hagerty, Lockton, and Opentrack for previous track days, but I'm curious if anyone has found (relatively) mainstream insurance companies who offer track day coverage as part of their policies?

I'd love to save the effort of booking separate insurance every time I'm heading to the track.

 

[AHP]

I've used Hagerty, Lockton, and Opentrack for previous track days, but I'm curious if anyone has found (relatively) mainstream insurance companies who offer track day coverage as part of their policies?

I'd love to save the effort of booking separate insurance every time I'm heading to the track.

Open Track annual. You don't have to prearrange coverage.

 

[razorlab]

One thing to note is that OpenTrack does not cover Time Trial events, if you are interested in doing those.

Lockton does, with an added fee I believe.

 

[B58_ hwAyaq]

I've used Hagerty, Lockton, and Opentrack for previous track days, but I'm curious if anyone has found (relatively) mainstream insurance companies who offer track day coverage as part of their policies?

I'd love to save the effort of booking separate insurance every time I'm heading to the track.

GEICO does not.

 

[underdonk]

State Farm does not. I always use Hagerty.

 

[kaj]

So Hagerty/Lockton no longer does single day insurance? Did they ever? I think all of my track days have been single day event and I know I've always only paid for that day. It would be messed up if I had to pay for 3 days on a 1-day event. If that's changed, I will be looking elsewhere also.

 

[AHP]

So Hagerty/Lockton no longer does single day insurance? Did they ever? I think all of my track days have been single day event and I know I've always only paid for that day. It would be messed up if I had to pay for 3 days on a 1-day event. If that's changed, I will be looking elsewhere also.

Hagerty is "up to 3 days"

 

[Afterfire]

For people unfamiliar with the process, you pick an base amount (you can put what it would cost to buy a used supra or what you owe on a loan) that you want to insure it with Hagerty/Lockton/RLI, add on any aftermarket parts you want covered, what track youre at (different tracks will cause different rates) put in what your experience is with tracking (I imagine they'll have an algorithm for risk) and if you want coverage for just an HPDE day, multi-day event or coverage for competition (Time Trials). SCCA TT's and TNiA's are usually cheaper with Hagerty due to an affiliate discount. It can be done quickly if you've already set up an account with all your info. I usually do it the morning of the first session and it takes roughly 5 minutes on my phone browser.
Another thing to note is depending on your policy, it can help cover clean up fees as some orgs insurance wont cover damage and cleanup to the track that you cause. When I drive the supra, I always consider track insurance as part of the registration fees so it doesnt feel superfluous.

 

[kaj]

I just worked up my Evo. $183 for a one-day event. That's normal. No changes.

 

[tomfree]

I'll put in a vote for Hagerty for track insurance. They were a sponsor for OneLap, so my car owner/codriver and I decided to use them. They had a small discount on rates for the OLOA event, but it was really close to their normal rates. They didn't cover the drag race or the autocross, and we chose not to cover the 1/4mi oval event.

My car owner wrecked the car ('14 Cayman S) at Hallett in the rain, doing quite a bit of cosmetic damage, and pushing one of the radiators back into the fenderwell. We missed a day getting the car back in a drivable state, but did manage to compete in the last 2 days of the event.

We used a certified Porsche repair shop for all the work (handles a lot of dealer work in the Boston area), so all factory parts and factory-approved methods - it definitely wasn't a race-car-level fix. After we paid the deductible, Hagerty did not balk at anything the shop charged. The total bill was close to $30K.

 

[FLtrackdays]

Interested in this as well. I'll be using my free track day in the spring but this is my daily and I can't afford to put it in a wall.

This is going to sound extremely unpopular but… if you are going out for your 1st ever track day, another option would be to not drive the car over your limits. Explore what she can do on the straightaways. Listen to your instructor. And be safe. You know yourself. If you want to push the car to the limit (or beyond), definitely purchase track insurance! Also, if you’re in a 1000+ hp mod’ed car, by all means, buy it. Those guys tend to spin out all over the place and or messing up the tire walls at the track.

My wife is a good driver on track. But she never pushes it too hard and she has a blast. I personally only push myself where I know I can run off or have some wiggle room. Yes there can be an oil spill, debris, car in front of you spinning out, etc. It’s all your level of comfort, knowing your flags, what do do in different situations and how hard you’re going to push the car.

Just food for thought and great thread! I‘ve got a buddy that’s tracked for eons. If his track car is down for some reason, he’ll buy the track insurance and take his Lambo or Viper SCR. Lots of experience and a street car can = Chet in his wrecked Tesla video.

 

[VA90]

This is going to sound extremely unpopular but… if you are going out for your 1st ever track day, another option would be to not drive the car over your limits. Explore what she can do on the straightaways. Listen to your instructor. And be safe. You know yourself. If you want to push the car to the limit (or beyond), definitely purchase track insurance! Also, if you’re in a 1000+ hp mod’ed car, by all means, buy it. Those guys tend to spin out all over the place and or messing up the tire walls at the track.

My wife is a good driver on track. But she never pushes it too hard and she has a blast. I personally only push myself where I know I can run off or have some wiggle room. Yes there can be an oil spill, debris, car in front of you spinning out, etc. It’s all your level of comfort, knowing your flags, what do do in different situations and how hard you’re going to push the car.

Just food for thought and great thread! I‘ve got a buddy that’s tracked for eons. If his track car is down for some reason, he’ll buy the track insurance and take his Lambo or Viper SCR. Lots of experience and a street car can = Chet in his wrecked Tesla video.

Not that unpopular to me! The challenge is that a first- or second-timer doesn't have a good sense of when they are even approaching the limits--or the situations where those limits are much lower than you might expect. At least in my experience, the couple times I had a big moment... i honestly thought I was maybe at 6/10s, 7/10s and nowhere near the limits of traction...

 

[razorlab]

This is going to sound extremely unpopular but… if you are going out for your 1st ever track day, another option would be to not drive the car over your limits. Explore what she can do on the straightaways. Listen to your instructor. And be safe. You know yourself. If you want to push the car to the limit (or beyond), definitely purchase track insurance! Also, if you’re in a 1000+ hp mod’ed car, by all means, buy it. Those guys tend to spin out all over the place and or messing up the tire walls at the track.

My wife is a good driver on track. But she never pushes it too hard and she has a blast. I personally only push myself where I know I can run off or have some wiggle room. Yes there can be an oil spill, debris, car in front of you spinning out, etc. It’s all your level of comfort, knowing your flags, what do do in different situations and how hard you’re going to push the car.

Just food for thought and great thread! I‘ve got a buddy that’s tracked for eons. If his track car is down for some reason, he’ll buy the track insurance and take his Lambo or Viper SCR. Lots of experience and a street car can = Chet in his wrecked Tesla video.

I personally don't buy track insurance for what I might do, I buy it for the unavoidable like a car in front of me laying down oil or coolant on the track, or some bonehead taking me out, or a tire failing, etc.

I've gone for a ride on coolant, it ain't fun.

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