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This is a discussion on Track Day Insurance within the Focus RS Discussions forums, part of the Focus RS Forums category; I want to take my car on the track. My local track is offering a couple laps with an instructor for little money. My car ...

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Thread: Track Day Insurance

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    RS Senior Member Greatscott's Avatar
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    Track Day Insurance

    I want to take my car on the track.
    My local track is offering a couple laps with an instructor for little money.
    My car insurance won't cover such events, and having only made 4 car payments I need to make sure I'm covered.
    Does anyone have an suggestions or experience for legit race track insurance (for a day).

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    Is probably track dependent. Where I went the off track is basically all open grass and I took it easy on the one corner coming to the front straight where you could hit tires going too crazy. I went off track 2 and spun once but had no worries about damage. Our group was pretty small and open and had no real concerns for hitting other cars even in traffic.

    I skipped insurance and it's fine.

    But it is a good idea to have esp if there's a lot of traffic or more walls.

    Locktonmotorsports.com I think is the place to go

    Get a quote it will prob cost you 200 with a 2k ish deductible


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    Check with ins in terms about timed events (race) vs trackday (driving school)
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    Try Lockton Affinity. It is used by BMWCCA and PCA members for DE events.

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    RS Senior Member Greatscott's Avatar
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    Quote Originally Posted by Racer_X View Post
    Check with ins in terms about timed events (race) vs trackday (driving school)
    They said "Absolutely not." Even with a driving instructor next to me.

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    RS Master The Hotness's Avatar
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    Quote Originally Posted by Greatscott View Post
    They said "Absolutely not." Even with a driving instructor next to me.

    Often times your agent doesn't truly know, it might worth the couple hundred bucks you save by checking the fine print on your policy as most companies are very supportive of you learning the boundaries of your vehicle in safe and controlled environment.
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    Its worth looking into. Some insurance companies cover you, some dont. 10 years ago I did some track days with the local porsche club. I had Erie and they did not cover me, but my friend had Progressive and was covered. They even told him that if he got a certificate stating that it was an educational event then he'd get a discount on his policy. The porsche club did not do certificates, but I thought that was kind of interesting.
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    RS Expert Austin's Avatar
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    Quote Originally Posted by The Hotness View Post
    Often times your agent doesn't truly know, it might worth the couple hundred bucks you save by checking the fine print on your policy as most companies are very supportive of you learning the boundaries of your vehicle in safe and controlled environment.
    This used to be the case, even just a few years ago.

    I have asked various underwriters from probably 9 different companies (it would so be worth it) and it's specifically excluded now.

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    RS Senior Member GreenvilleRS's Avatar
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    Try Hagerty :

    "Do you race your classic or collector vehicle?
    Talk to us about Motorsports coverage: call a specialist at 877-922-4035 today."
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    The only mainstream company that I'm aware of that still offers coverage during a NON TIMED, lapping or DE event is Liberty Mutual. Evidently the determined that people who do track days (in general) are actually pretty good drivers and a good overall risk. So it seems they kind of picked up where everyone else bailed out. My agent says they have even gone to DE events and set up an informational table to attract new customers.

    I took 4 cars and my house and told State Farm to $uck it... after about 35 years with them. They adopted the same verbiage as everyone else seems to have now, which is something like "Any incident which occurs on a surface prepared for racing is excluded". And yes, that even includes the pits at a racetrack believe it or not.

    If that's not an option, Lockton Affinity would be a good way to go.



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