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HPDE Insurance

 
Old 11-26-2018, 02:39 AM
  #1  
KEZ06
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Default HPDE Insurance

This may have been asked, but I have not seen it. Do regulars use track insurance and if so what company do you use? Thank you in advance.
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Old 11-26-2018, 08:27 AM
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rocsvette
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I have not but Locton-Affinity is a good company from what Iíve heard. Also you can get insurance through the NCM but I donít know whoís insurance they are writing.
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Old 11-26-2018, 09:16 AM
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shizon'00
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I've used both lockton and opentrack and will stay with opentrack. I got a better price with them, was able to add a 2nd car on a rider and it covered both me and my wife for unlimited track days during the calendar year.

I also watched a friend make a claim with them this year unfortunately, but they handled it very well. Very straight-forward and he'll have his car back in time for next season.
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Old 11-26-2018, 10:05 AM
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I use Lockton on the tracks where it's higher speed, higher consequences, and higher risk.
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Old 11-26-2018, 10:43 AM
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Ive used haggerty and lockton in the past. Haggerty was a little cheaper from what I remember and has a good reputation.
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Old 11-26-2018, 02:37 PM
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Opentrack. No upper limits and lower pricing.

Used to use Lockton who are still excellent.

My Ď15 Z06/7 used to tun about $500/weekend HPDE

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Old 11-26-2018, 03:09 PM
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Adam Boca
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Thanks Roc for the mention!

We use Lockton for our coverage, www.ncminsurance.com/hpde.
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Old 11-26-2018, 04:27 PM
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Originally Posted by shizon'00 View Post
I got a better price with them, was able to add a 2nd car on a rider and it covered both me and my wife for unlimited track days during the calendar year.

.
Can you elaborate?
What type of policy that cover unlimited track days? and the cost?

I used Lockton for an HPDE event, and it was $400. I am looking for more economical options for next season.
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Old 11-26-2018, 05:45 PM
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I would second or third ontrack. Very nice to deal with and a discount for signing up for multiple events
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Old 11-26-2018, 06:00 PM
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The most important aspect of an insurance company is not the pre-sale, but the after sale service. Anyone has direct experience with filing claims with either company?
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Old 11-26-2018, 06:04 PM
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This is what I have with Open Track Insurance
Open track yearly policy
$60,000 coverage but you can go up higher without any increase in premium, I believe northwards of $80,000, play with their calculator for exact numbers.
5% deductible
$3,357.50 premium for as many events as you want to register for in 1 calendar year.
No need to list the event with them, just show up and drive. Timed events such as racing or time trials are not covered.

Originally Posted by GoatHead View Post
Can you elaborate?
What type of policy that cover unlimited track days? and the cost?

I used Lockton for an HPDE event, and it was $400. I am looking for more economical options for next season.

Last edited by NiceGuySanti; 11-26-2018 at 06:09 PM.
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Old 11-26-2018, 06:06 PM
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Originally Posted by GoatHead View Post
The most important aspect of an insurance company is not the pre-sale, but the after sale service. Anyone has direct experience with filing claims with either company?
I have had friends file claims with both Locton and Open Track, both are class acts, no grief, no B.S.
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Old 11-26-2018, 06:21 PM
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Originally Posted by NiceGuySanti View Post
This is what I have with Open Track Insurance
Open track yearly policy
$60,000 coverage but you can go up higher without any increase in premium, I believe northwards of $80,000, play with their calculator for exact numbers.
5% deductible
$3,357.50 premium for as many events as you want to register for in 1 calendar year.
No need to list the event with them, just show up and drive. Timed events such as racing or time trials are not covered.
Thanks. That is a good price. Out of curiosity, I priced an VIR club member 18 track days a year with Lockton (I am not a member). 60k value with 10% deductible was $5500.
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Old 11-26-2018, 08:21 PM
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Originally Posted by NiceGuySanti View Post
This is what I have with Open Track Insurance
Open track yearly policy
$60,000 coverage but you can go up higher without any increase in premium, I believe northwards of $80,000, play with their calculator for exact numbers.
5% deductible
$3,357.50 premium for as many events as you want to register for in 1 calendar year.
No need to list the event with them, just show up and drive. Timed events such as racing or time trials are not covered.
Thanks for posting about Open Track....I had not heard of them before. Interesting to note that the per day coverage has a 10% deductible and the unlimited yearly plan has a 5% deductible. Not a bad deal in my opinion for the unlimited plan.

I see two types of common track incidents.....the minor "off" that takes out the splitter, minor bodywork scratches, maybe a fender and the major crashes that total out the car. With the 10% deductible, most of the minor "offs" would be out of pocket. Just something to think about if going the individual track day plan.
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Old 11-26-2018, 08:23 PM
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KEZ06
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RLI thru hagerty asks if you had a track day claim in the last 3 years. So it may make sense to not file anyway.
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Old 11-27-2018, 04:46 PM
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I've used RLI. Never had a claim so I'm not sure how they handle them but I've heard they're easy to deal with.
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Old 11-29-2018, 07:56 AM
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I started using On Track this year, mainly because they take American Express. Inevitably, I forget to set up the insurance until the night before the event and On Track's smart phone app is very user friendly.

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Old 11-29-2018, 09:22 AM
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Has anyone had experience with insurance for time trials or W2W racing?
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Old 11-29-2018, 10:43 AM
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Originally Posted by jacks2000 View Post
Has anyone had experience with insurance for time trials or W2W racing?
I don't think any insurance company covers competitive racing (W2W) or time trials. Most have a clause saying coverage will be denied if its a timed event.
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Old 11-29-2018, 10:44 AM
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Originally Posted by jacks2000
Has anyone had experience with insurance for time trials or W2W racing?
The RLI thru hagerty ssks if younwant to cover time trials. Since I am the Op I dont know anything about claims experience tho.
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