HPDE Track Insurance
#1
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Thread Starter
HPDE Track Insurance
I'm new to this and getting ready for my first 2 HPDE track days. I have a 2018 Grand Sport. Lockton Affinity Insurance wants $422. for a two day policy for covering me. This seems way too much for me. What is everybody else doing about insurance? Do you even get it? Or is it a waste of money since this type of racing won't usually end in a catastrophic collision?
#2
Try RLI Track Day Insurance https://www.rlicorp.com/hpde-insurance. I believe RLI is also the underwriter for Hagerty HPDE insurance. RLI used to be the underwriter for Lockton.
#4
Melting Slicks
I have found decent pricing at Open Track as stated below. I bought my last policy from them and it was more cost effective than the other options.
Last edited by Racingswh; 05-09-2019 at 12:52 PM.
#5
Melting Slicks
I have an annual policy from OpenTrack. They sell individual events too. Very reasonable pricing.
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Racingswh (05-09-2019)
#7
Originally Posted by Mu$cle
Try RLI Track Day Insurance https://www.rlicorp.com/hpde-insurance. I believe RLI is also the underwriter for Hagerty HPDE insurance. RLI used to be the underwriter for Lockton.
#8
Drifting
I'm new to this and getting ready for my first 2 HPDE track days. I have a 2018 Grand Sport. Lockton Affinity Insurance wants $422. for a two day policy for covering me. This seems way too much for me. What is everybody else doing about insurance? Do you even get it? Or is it a waste of money since this type of racing won't usually end in a catastrophic collision?
Price is normal for that amount of coverage.
Its a sick sick expensive hobby, that is just the beginning of costs.
Its not racing, but people make mistakes and equipment fails at speed.
Last edited by blkbrd69; 05-09-2019 at 04:24 PM.
#9
From 19898-2003 State Farm insured me with the stipulation that I couldn't be timed and wasn't racing. After that, I drove uninsured. If you drive 8/10ths of the limit, you will be fine. When/if you go with clubs for a 2+ dayer, don't drive on track with those who pulled out the gas powered blender in the paddocks the night before. Serious. Another big hitter is to go with clubs/companies that do track inspections. There is nothing like someone having a coolant or oil line failure right in front of you or flip because they drank too much. Be mindful, get training, find a mentor and you won't need to pay those prices for insurance just to have fun lapping on the track.
#10
*tech inspections is that I meant, although track inspections wouldn't hurt Go with clubs/companies that are serious about saftey. You can tell by how they manage the track. There is a gate keeper that only lets the correct run group on the track, they are serious about your car being in good shape, you have safety equipment and there is a diverse set of run groups (usually 3-4 groups from beginner to advanced/race drivers).
#11
For the record, the insurance doesnt seem to go down. Track insurance on my 91 MR2 (N/A VIN car, so value is technically lower than an OE Turbo car) is $200/day
Thats all I can add to this conversation lol.
Thats all I can add to this conversation lol.
#12
From 19898-2003 State Farm insured me with the stipulation that I couldn't be timed and wasn't racing. After that, I drove uninsured. If you drive 8/10ths of the limit, you will be fine. When/if you go with clubs for a 2+ dayer, don't drive on track with those who pulled out the gas powered blender in the paddocks the night before. Serious. Another big hitter is to go with clubs/companies that do track inspections. There is nothing like someone having a coolant or oil line failure right in front of you or flip because they drank too much. Be mindful, get training, find a mentor and you won't need to pay those prices for insurance just to have fun lapping on the track.
#13
[QUOTE=Poor-sha;1599374331] If you can't afford to push it off a cliff and walk away then I wouldn't take it to the track without track insurance. Yes, it's expensive and the deductibles are huge but think about what that means to the risk they are trying to amortize.[/QUOTE
Last edited by lbs90ZR; 05-09-2019 at 07:30 PM.
#14
My only big accident in 10+ years of doing this was when I was going 7/10ths. If you can't afford to push it off a cliff and walk away then I wouldn't take it to the track without track insurance. Yes, it's expensive and the deductibles are huge but think about what that means to the risk they are trying to amortize.
#15
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Bill
#16
Melting Slicks
Opentrack annual policy has a 5% deductible. Hope I never need it, but the peace of mind makes it well worth it.
#17
Burning Brakes
All the tracking I’ve done, two weeks ago I got my first track ins policy for my new to me 2014 z/28. I tracked my c5 zo6 many times, never got it. Maybe it was stupid, but I never had a problem on track. Wasn’t willing to gamble with the Z/28. I’m sure
glad I have another/ cheap track car. Cause I’d go broke having to buy ins every track day. Lol.
ps: no longer a vette owner, Hopefully I’m not kicked out, I just needed 4 seats. Lol. Still and always will be a vette fan.
glad I have another/ cheap track car. Cause I’d go broke having to buy ins every track day. Lol.
ps: no longer a vette owner, Hopefully I’m not kicked out, I just needed 4 seats. Lol. Still and always will be a vette fan.
Last edited by MX621; 05-09-2019 at 08:31 PM.
#18
#19
Navigator
Thread Starter
Thanks, everybody, for all the comments and input. I've learned a lot just by the remarks you guys have left. I welcome more input if it's out there, but it sounds to me like (at least at first) I should bite the bullet and be insured. Blkbrd69 said it best "it's a sick sick expensive hobby, and that's just the beginning..." I thought I was going to be able to retire from my day job and go racing, but it's looking like I may have to keep my day job just to be able to keep racing. At least until that inheritance comes through....