bhart192

what are some companies and rates for track ins.

Quadcammer

lockton
on track insurance
I think hagerty does it now too

rates depend on the car, your experience, the agreed value, number of days, etc. They will all quote you online.

RFGGT3

If you plan to do more than 7 days a year , The Open Track has an annual car only fee with a 5% deductible and unlimited days at many tracks in NA. My rate this year was $4650.

991carreradriver

The single event policies limit agreed upon insured value at 150K. Theopentrack.com has higher agreed upon value amounts. Also, my research indicates the break even is closer to 5 events for a car valued at $150k. Another big issue with single event coverage is that they charge the same for 1 day and multiple day events. This makes it cost prohibitive to enjoy a singe track day event. The annual policy is the only way to go for high value cars.

tstafford

+1 for Open Track. My rate this year was right around $6K on 200K agreed value. Note: That fee also covers my M2 if I'm using it instead - given that it's obviously much less expensive. It has an agreed value of like $60K I think.

TRAKCAR

Same here
RS 200,00
E63 60,000

unlimited track 5% deductible

$7300 incl taxes, everything.

FJSeattle

Haggerty has an app that allows you to buy insurance in minutes using OpenTrack’s as a partner.

Check it out.

raclaims

Make sure you read the policy closely. Not all track insurance is the same and some frankly are lousy!

ms550

Open Track has been great!

goin2drt

Geico auto insurance covers you as long as it is a HPDE and not a racing event.

raclaims

The question is, have they been great in the event of a claim?

All insurance is great if it goes unused.

goin2drt

Yep totally agree. Who knows. Then again does anyone know this answer regarding Hagerty, etc etc? Seems like the latest accidents posted here, folks didn’t have insurance at all.

manitou202

Do you have that in writing? I had Geico for my C4S but never looked for anything in the policy regarding HPDEs. I would be surprised if they had this coverage by default.

goin2drt

Well I have my policy and reading the fine print it does not exclude it. I then followed up with a call and spoke to them live after giving them the details and it was confirmed. Specifically they stated on a track in an event that is not sanctioned racing it is covered. I got that from the CA based agent supervisor I also got the conversation recorded and agent number. Not sure what else to do.

Having said all that I haven’t decided yet if I am going to do a Hagerty HPDE policy for the weekend to be safe as well.

Bossing

This is the verbage I saw in Geico's coverage doc...

"Principal exclusions include: ...damage caused by participation in and/or preparation for any race, speed, demolition, or stunting activity..."

We know HPDE is not a race... but this makes me wonder if they can interpret it as "speed" related activity. Makes me wonder how they define "speed"?