loneregister

Hello,

i am looking for track day insurance for my gt3. Hagerty has come up. Do other members have experience good or bad, with this company?

any gotcha's to be aware of?

Nickshu

Hagerty is only available in certain states (not available in mine, Colorado). I use OpenTrack and it's pretty easy, all online.

177mph

Its a shame there aren't any threads on track day insurance on rennlist....

Thundermoose

We really need a sticky

dgrobs

Depending on the amount of track days you are doing, Open Track is great if you are doing a bunch every season.

LZRD GRN

Open track is great to deal with....

Paid off my friend's GT3RS (no personal damage) almost immediately....

loneregister

@LZRD GRN thanks for the call out. Much appreciated.

Bxstr

My friend has used open track. Has not made a claim but happy otherwise and reasonable pricing.

Locker537

https://opentrack.com/
https://ontrackinsurance.com/
https://www.hagerty.com/insurance/track-day-insurance

Get rates for the guaranteed value you want and see how it goes.

solarblack

I've used On Track Insurance a few times now and they have the best rates and coverage in my opinion. Steve the owner is a racer and a good guy. Very knowledgeable.

rbahr

Also used On Track and Lockton.

Note: If you go to Canada, then your choices are quite limited...

Ray

dgrobs

Open track has a rider for Canada. $500 additional and worth every penny.

rbahr

OnTrack covers Canada - seem to remember that it is not extra, Lockton used to then stopped - at least a/o last summer.

loneregister

Most of the ones I have checked so far, cover Spring Mountain, where I drive.

Open Track has a warning about not being insured. And Hagerty is Insured.

So far, the quote from Hagerty seems the most reasonable for 3 days. But they don't offer full year insurance. (At least that I can find, cap out at $175k, and offer 10% and 20% deductibles).

Open Track does not cap out, and offers 5% and 10% deductibles.

I am a bit concerned about their terminology as it seems they cover HPDE and Track Day, but the words are interchangeable. Also, I am not sure if I am insuring agreed upon, book or up to values.

So - still a bit of research on my part to work on.

Locker537

I've only used Hagerty to date.

We agreed on the terms. Guaranteed value. Deductible. They confirmed they covered the location (the track), me as the driver, and my instructor.

I paid with a credit card over the phone the day before the event.

Why start with a full year? Get it for an event or two and see how it goes.