Track-Day Insurance
Melting Slicks
Joined: Feb 2009
Posts: 2,797
Likes: 608
From: Dallas Georgia
2020 Corvette of the Year Finalist (track prepared)
C3 of Year Winner (track prepared) 2019
You can typically get a free quote by inputting your info with the various suppliers; Lockton, Track day insurance, RLI, etc.
Lockton has been a major insurer for a while but it seems a few others are becoming available as of lately. I believe RLI underwrites most of them though.
Lockton has been a major insurer for a while but it seems a few others are becoming available as of lately. I believe RLI underwrites most of them though.
Pro
Joined: May 2008
Posts: 525
Likes: 95
From: Denver, NC
I used Lockton for my first track event, then I learned about RLI.
Last night I was purchasing track insurance for an HPDE at the NCM Motorsports Track this weekend. I decided to check Lockton again since it had been a while. Then I ran a quote for RLI. I was really surprised to see >$130 difference between the two quotes - surprised enough to call Drew at RLI to be sure that RLI's policy is apples-to-apples with Lockton since their quote was so much more "cost effective." He believes their coverage is slightly better. Drew is in a good position to know since until mid-2015 RLI was the underwriter for Lockton. Lockton swapped to another underwriter that provided THEM some additional discounts.
Compare for yourself. Run a quote with Lockton and then get a quote from RLI. Here's the RLI site: https://www.rlicorp.com/track-day?gc...FUQ2gQodNJ8PZQ
I suspect you will be surprised with the results. Lockton itemizes the premium, various fees, taxes, etc. and RLI provides one price - without all the add-ons.
I have no connection with RLI other than being a repeat customer and nothing to gain other than helping fellow track addicts save money to use on tires, brakes and gas.
Last night I was purchasing track insurance for an HPDE at the NCM Motorsports Track this weekend. I decided to check Lockton again since it had been a while. Then I ran a quote for RLI. I was really surprised to see >$130 difference between the two quotes - surprised enough to call Drew at RLI to be sure that RLI's policy is apples-to-apples with Lockton since their quote was so much more "cost effective." He believes their coverage is slightly better. Drew is in a good position to know since until mid-2015 RLI was the underwriter for Lockton. Lockton swapped to another underwriter that provided THEM some additional discounts.
Compare for yourself. Run a quote with Lockton and then get a quote from RLI. Here's the RLI site: https://www.rlicorp.com/track-day?gc...FUQ2gQodNJ8PZQ
I suspect you will be surprised with the results. Lockton itemizes the premium, various fees, taxes, etc. and RLI provides one price - without all the add-ons.
I have no connection with RLI other than being a repeat customer and nothing to gain other than helping fellow track addicts save money to use on tires, brakes and gas.
Burning Brakes
Joined: Jun 2015
Posts: 1,157
Likes: 522
From: Central Jersey
Insurance companies always talk a good game during the sale. Its when they have to actually pay money out, that their real character becomes evident.
I've used Lockton for many years. Had to file my first ever claim last year.
The experience was even better than I'd hoped. I know of one or two others who had similar good experience with Lockton claims
I've heard nothing of claim experience from other companies.
Lockton has earned my future business.
I've used Lockton for many years. Had to file my first ever claim last year.
The experience was even better than I'd hoped. I know of one or two others who had similar good experience with Lockton claims
I've heard nothing of claim experience from other companies.
Lockton has earned my future business.
Melting Slicks
Joined: Feb 2009
Posts: 2,797
Likes: 608
From: Dallas Georgia
2020 Corvette of the Year Finalist (track prepared)
C3 of Year Winner (track prepared) 2019
Insurance companies always talk a good game during the sale. Its when they have to actually pay money out, that their real character becomes evident.
I've used Lockton for many years. Had to file my first ever claim last year.
The experience was even better than I'd hoped. I know of one or two others who had similar good experience with Lockton claims
I've heard nothing of claim experience from other companies.
Lockton has earned my future business.
I've used Lockton for many years. Had to file my first ever claim last year.
The experience was even better than I'd hoped. I know of one or two others who had similar good experience with Lockton claims
I've heard nothing of claim experience from other companies.
Lockton has earned my future business.
I do believe OnTrackInsurance, RLI, and Lockton would all three perform about the same. I am sure Hagerty insurance is worth looking into as well but know from the collector car market, they often hide some language in their policies that make them very limited in use. For instance, the car can be driven but with no destination. Stop at the store and the car is damaged or stolen, you could be at risk. Insurance companies in general are frustrating to deal with more often than now, but that is due to the litigious world we live in.
Thread Starter
Advanced
Joined: May 2017
Posts: 81
Likes: 21
From: North Texas
Thank you all,
I called RLI to check their coverage, which is for HPDE only, it does not cover pleasure driving on the track (track days).
My Allstate agent has had 2 responses from Allstate HQ that they cover track day driving as long as it is not a race or an event ..... I know, hard to believe when insurance companies try to deny all claims .... and I've had 1st hand experience, though through business not personal. This is what my agent said when I asked for it in writing "I can't get special wording from home office everything in that policy language has to be approved through the TEXAS DEPT OF INSURANCE".
I have a quote from a broker who deals with this type of insurance and an insurance agent friend is checking the conditions .... I'll report back when he gets back to me.
I'll give the other insurance co's a call too.
I called RLI to check their coverage, which is for HPDE only, it does not cover pleasure driving on the track (track days).
My Allstate agent has had 2 responses from Allstate HQ that they cover track day driving as long as it is not a race or an event ..... I know, hard to believe when insurance companies try to deny all claims .... and I've had 1st hand experience, though through business not personal. This is what my agent said when I asked for it in writing "I can't get special wording from home office everything in that policy language has to be approved through the TEXAS DEPT OF INSURANCE".
I have a quote from a broker who deals with this type of insurance and an insurance agent friend is checking the conditions .... I'll report back when he gets back to me.
I'll give the other insurance co's a call too.
Le Mans Master
Joined: May 2000
Posts: 8,729
Likes: 1,508
From: Redmond WA
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Thread Starter
Advanced
Joined: May 2017
Posts: 81
Likes: 21
From: North Texas
Thank you all,
I called RLI to check their coverage, which is for HPDE only, it does not cover pleasure driving on the track (track days).
My Allstate agent has had 2 responses from Allstate HQ that they cover track day driving as long as it is not a race or an event ..... I know, hard to believe when insurance companies try to deny all claims .... and I've had 1st hand experience, though through business not personal. This is what my agent said when I asked for it in writing "I can't get special wording from home office everything in that policy language has to be approved through the TEXAS DEPT OF INSURANCE".
I have a quote from a broker who deals with this type of insurance and an insurance agent friend is checking the conditions .... I'll report back when he gets back to me.
I'll give the other insurance co's a call too.
I called RLI to check their coverage, which is for HPDE only, it does not cover pleasure driving on the track (track days).
My Allstate agent has had 2 responses from Allstate HQ that they cover track day driving as long as it is not a race or an event ..... I know, hard to believe when insurance companies try to deny all claims .... and I've had 1st hand experience, though through business not personal. This is what my agent said when I asked for it in writing "I can't get special wording from home office everything in that policy language has to be approved through the TEXAS DEPT OF INSURANCE".
I have a quote from a broker who deals with this type of insurance and an insurance agent friend is checking the conditions .... I'll report back when he gets back to me.
I'll give the other insurance co's a call too.
This company The Open Track, and I'm not representing or promoting them, provide track day coverage ..... it's based on the value you enter for your vehicle but starts at $100k. For $125k it costs $5,159 with filing fees and taxes. Its unlimited days and they cover 65 tracks but don't list them. You can also get a Canadian endorsement for an extra $500. Still waiting to hear from my insurance friend on the conditions.
https://www.theopentrack.com/
Cruising
Joined: Aug 2017
Posts: 14
Likes: 3
Just booked my time at the Ron Fellows school today. Of course I didn't find the information on the $10,000 deductible before I booked. However, as soon as you speak to them after paying for the course the first thing they mention is that $10,000 liability. It may be something I will do in the future but that sort of caught me off guard so I opted to cancel my reservation.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
Le Mans Master
Joined: Jul 2008
Posts: 9,928
Likes: 2,024
From: 200 AGL
St. Jude Donor '15
Just booked my time at the Ron Fellows school today. Of course I didn't find the information on the $10,000 deductible before I booked. However, as soon as you speak to them after paying for the course the first thing they mention is that $10,000 liability. It may be something I will do in the future but that sort of caught me off guard so I opted to cancel my reservation.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
No passing outside of pulling off line on the straight, reorganizing the cars at 5mph.
Plenty of runoff area.
Very few barriers/obstacles needed or nearby.
Plenty of ground school time and exercises prior to entering the track area.
PTM-Sport 1 is very sophisticated with plenty of authority to reign you in, it can be pretty challenging to get the car out of control in Sport 1, you'd basically have to trail brake way too hard or have a sudden change in surface.
As far as insurance goes, I've been a happy repeat customer to ontrackinsurance(katz). They've quickly responded to me at all hours of the day, even weekends. Hopefully I don't have to test their customer service on the right side of an incident.
Last edited by 64drvr; Oct 3, 2017 at 07:26 PM.
Drifting
Joined: Dec 2003
Posts: 1,711
Likes: 90
From: Hillsdale NJ
Just booked my time at the Ron Fellows school today. Of course I didn't find the information on the $10,000 deductible before I booked. However, as soon as you speak to them after paying for the course the first thing they mention is that $10,000 liability. It may be something I will do in the future but that sort of caught me off guard so I opted to cancel my reservation.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
Racer
Joined: Oct 2014
Posts: 490
Likes: 92
From: Savannah GA
Burning Brakes
Joined: Feb 2002
Posts: 885
Likes: 18
From: McFarland WI
Ins
I've been to Spring Mt several times, 1st time they told me we had a 5,000 deductible, which I could reduce in 1/2 I think it was for a 2 or 300 dollar fee, so I took it. Next time out I asked them in 8 or so years how many vehicles have you damaged to any great extent, their answer was none, so I no longer take the extra insurance, although I suppose the worst could happen, I think the risk is slight.
Racer
Joined: Mar 2017
Posts: 264
Likes: 73
From: CT
I went to Spring Mountain for the first time in August. As lrobe said, there are very few things to hit if you do go off the track. On my first track session I felt like the tires were getting ready to break loose in the turns & the instructor is telling me to carry more speed. WTF? Then I did the ride along with the instructor and saw and felt how much grip there really is. As long as you drive within the limits that you are comfortable with, trust the car and listen to the tips the instructors give you you should be fine.
I enjoyed it so much I’m going back in Dec. I wanted to do Level 1 course but it was full so I’m doing the Owners School again and hopefully Level 1 in the Spring. This is going to get expensive!
I enjoyed it so much I’m going back in Dec. I wanted to do Level 1 course but it was full so I’m doing the Owners School again and hopefully Level 1 in the Spring. This is going to get expensive!
Tech Contributor
Joined: Oct 1999
Posts: 41,058
Likes: 9,820
From: Charlotte, NC (formerly Endicott, NY)
Just booked my time at the Ron Fellows school today. Of course I didn't find the information on the $10,000 deductible before I booked. However, as soon as you speak to them after paying for the course the first thing they mention is that $10,000 liability. It may be something I will do in the future but that sort of caught me off guard so I opted to cancel my reservation.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
With the knowledge of the $10,000 deductible, I may reschedule after thinking it over and perhaps checking with my agent or picking up additional coverage. I just don't like to make a $10,000 decision over the phone without any time to think about it. Too much like talking to a telemarketer to me. When I have any doubts or feel under pressure my answer is no.
They are nice folks and handled it professionally so nothing against the school.
The performance level of the driver's they usually get is so far below the performance level of the car that the car usually covers their mistakes with no issues.
However, they have to account for the nut cases amongst us who think they are the unrecognized world's best race car driver and will push the car far beyond the driver's and the car's capabilities. In twelve seasons of instructing at HPDEs I have only run into a few of these nut cases but they do exist. Usually they leave the track with a waaded up car.
Bill
Drifting
Joined: Dec 2003
Posts: 1,711
Likes: 90
From: Hillsdale NJ
Le Mans Master
Joined: Aug 2015
Posts: 8,243
Likes: 4,618
From: Southwest Florida
Instructor
Joined: Jun 2009
Posts: 155
Likes: 20
From: Brentwood Tn
Track Insurance vs your personal auto policy
Auto insurance regulations are governed by the states. Every state has different rules about what an insurance company must cover and what they can exclude. Just because Allstate will cover an HPDE event in one state does not mean they will cover you in another state. In Tennessee every auto policy I have seen excludes coverage on a racing surface. That includes the paddock, hot and cold pits and track. They list the exclusions under the Liability section, Medical Payment section and the physical damage section. Read your personal auto policy carefully look for exclusions they will be in the middle of the policy after they tell you all the stuff they do cover.
As far as I know liability insurance to pay for damage to the track equipment is not available period. Coverage for damage to your car is available through Lockton, Hagerty/RLI. and others. The key is to list all of your modifications on the application. If you don't list it there is no coverage. The policy states this. Lockton and RLI anyway, I have not read any others.
As far as I know liability insurance to pay for damage to the track equipment is not available period. Coverage for damage to your car is available through Lockton, Hagerty/RLI. and others. The key is to list all of your modifications on the application. If you don't list it there is no coverage. The policy states this. Lockton and RLI anyway, I have not read any others.