One additional piece of info: I had originally purchased a policy with opentrack a few seasons back, and subsequently discovered they have a 1 incident policy whereby if you make a claim they drop you for 3 years. I switched to Lockton who doesn't have that policy.

 

That's good to know. Fortunately, they cover my state. FYI - Hagerty was literally about half what Open Track quoted.

 

 

Hello, this is Ben from OpenTrack. Was reading through this thread and wanted to respond quickly to your note. We do not drop you if you have 1 claim. For annual policy holders that have a claim, the one course of action we take is to raise your deductible from 5% to 10%. That is the only action we take. We do not drop clients or non-renew them after 1 claim. Happy to answer any questions you have.

Thanks, BP

 

For folks like me who track frequently, Open Track was a no brainer. I like how I am covered for 12 months and don't have to plan when I am going. I can go places on spur of the moment decisions and not worry.

 

Ben I apologize it was ontrack not open track. My bad, the names are so similar.

Jeff

 

I have first hand knowledge that Lockton has paid out many, many claims, including on very expensive P-cars. They have been providing HPDE track day insurance now for nearly 10 years so they've got it dialed in (Ryan Staub, who runs the program, is also a club racer and hpde instructor).

 

 

This is why I use OpenTrack...their limit is $3,500,000...plenty to cover any claim I would make tracking my 991.2 GT3.

You need more than $150,000 worth of coverage if you're tracking a late model GT3.

 

Comparison quotes I ran today for my 987.1 Cayman, for use during this weekend's Schnell Fest @ COTA.

Quotes were for $28,000 value, 10% deductible, all 3 days covered, instructor covered, no time trials:
$162.00 - Hagerty / RLI / HWI
$180.16 - OnTrack / Great American
$210.00 - Lockton
$304.50 - OpenTrack

All quotes were the exact same with the sole exception being OpenTrack coverage was for $30k instead of $28k, since $30k is their minimum coverage amount when getting a quick quote. Going with Hagerty.

 

Just make sure that you read the full policy carefully to make sure you are getting what you actually want in coverage.

 

Comparison quotes for a 2 day event for a $170k 2018 GT3, 10% deductible (apples to apples):

Lockton - car value limit is $150k - n/a
OpenTrack - $820 including taxes and fees
OnTrackInsurance - $1187
Hagerty - $1375

 

Are there any companies that sell a seasonal pass good for just a few track DE days per season? I only do 2 to 4 DE days per year.

 

If you are doing multiple track days/season (and I mean multiple, not just 2 or 3), then Open Track is a no brainer.
I have used them for 2 or 3 years now. Prices are fine, Ben, Jarod, Sue, and the rest of them are super easy to deal with, and the peace of mind is priceless.
I highly recommend Open Track based strictly on my experience with them.