Track Day Insurance Explained

Why normal car and motorcycle insurance usually excludes the track

Wording differs by insurer and by state. One public example is State Farm's Florida personal car policy booklet (form 9810C). Under the physical damage coverages it lists "there is no coverage for" any covered vehicle while it is being prepared for, used in practice for, or operated in any racing contest, speed contest, hill-climbing contest, jumping contest or similar contest. A second clause removes cover for a vehicle "on a track designed primarily for racing or high-speed driving".

The same booklet says that second exclusion does not apply if the vehicle is being used in connection with an activity other than racing, high-speed driving or any type of competitive driving. Whether a particular track day falls inside that carve-out is a question for the insurer and, in a dispute, a court. This page does not say how it would be decided.

Other insurers publish shorter statements. Progressive's motorcycle page says that if you ride in races, timed events or speed tests, or on a track, you are typically excluded from coverage. Admiral, a UK insurer, says in a guide that it does not cover driving in dangerous or unusual places such as racecourses, or organised motorsports and rallying. That guide does not mention track days by name. Hagerty's track day FAQ says insurers have added exclusions using words such as track, high performance, HPDE-type, racing or speed contest events, and racing surface.

Track day organisers say the same thing. MSV Trackdays' terms say it is unlikely that your normal car insurance policy will cover a track day and tell you to check with your insurer. Javelin Trackdays' FAQ uses similar words. The practical point is the same in each case: do not assume the road policy responds, and check the exact wording.

What a car track day policy covers

The US providers whose pages I could read all sell physical damage cover for your own car at a non-racing event. Hagerty's page, with RLI as the underwriter, says it covers physical damage to your vehicle incurred by you, one additional driver if pre-approved, and your driving instructor, on the track and in the paddock. Lockton Motorsports says its HPDE cover applies from the time you enter the track grounds until you leave. It lists street-legal and non-certified track cars, aftermarket modifications, up to two drivers per event and instructor demonstration laps. OpenTrack sells physical damage and optional liability cover for any non-competition track day event, with additional drivers at no extra charge.

Most policies pay an agreed or stated value. On Hagerty you choose your car's value, and on a covered total loss you receive that value less any deductible and any salvage value if you keep the car. OpenTrack describes its stated value as the most you would be paid for a total loss, minus your deductible. Hagerty lists towing and storage, rental car reimbursement and pollutant cleanup as supplemental coverages, and says modifications such as custom paint or body kits can be added.

Deductibles are usually a percentage of the car's value with a minimum and a maximum. Hagerty's FAQ lists two options: 10% with a $2,000 minimum and $12,000 maximum, or 15% with a $3,000 minimum and $18,000 maximum. As arithmetic only, on a car insured for $60,000 those percentages work out to $6,000 and $9,000. Lockton and OpenTrack do not state deductible amounts on the pages I could read, so ask for them before you buy.

Eligibility rules apply. Hagerty's FAQ says cars with VINs are generally eligible, all Ferrari, Lamborghini and McLaren models are currently ineligible, and it does not offer HPDE cover for motorcycles. OpenTrack's FAQ says drivers must be at least 25 and that its policies require a valid physical US address. Lockton says its product is not available in all states, and Hagerty says some coverage is not available in all states.

Per event or annual

Hagerty's FAQ says its HPDE cover is per event only. It also says Hagerty offers an annual non-competitive track policy, described on a separate motorsports page. An April 2026 SCCA article describes two Hagerty endorsements that attach to an existing Hagerty car policy: a Motorsports Advantage Endorsement at $20 per year that includes track damage up to $1,000, and a Track Day Endorsement at $150 per vehicle per year that provides $10,000 in physical damage cover for track day events. The article lists 25 eligible states and says endorsements are based on the policyholder's state of residence.

Lockton sells HPDE cover per event. Its product page says most events require participants to have single-day HPDE insurance, though the organiser pages read for this guide did not make it compulsory, so check your event. A Lockton tips article says you can buy cover online up to the moment you drive on the track. OpenTrack sells an annual policy, OpenTrack Drive, with 12 months of cover and unlimited track days and cars, and a daily policy, OpenTrack On-Demand, for 1 to 4 days. Its FAQ says that once a policy is issued it cannot be cancelled because the premium is fully earned, and that a single-event date can be moved if you change it before the original start date.

In the UK, Howden's page describes two options built with Moris: standalone or multi-day track cover with no road cover, and a 12-month road policy that includes up to 5 UK track events. Howden gives vehicle value limits of £200,000 for the first and £80,000 for the second.

US providers: Hagerty, Lockton and OpenTrack

Hagerty's HPDE and Track Day Insurance is underwritten by RLI. The April 2026 SCCA article says it is a per-event policy covering a car's value up to $175,000, is available in all states except Colorado, and does not require any other Hagerty insurance. Liability is not included. Time trial cover is an option you choose when you get a quote. RLI's FAQ says the price shown during the quote is the price you pay, and that RLI separately offers Competitive Time Trial insurance for eligible events.

Lockton Motorsports runs a programme administered by Lockton Affinity. Its product list covers HPDE and time trial, off-track (storage, transport and theft), autocross, event organiser and track owner cover. The pages I could read do not publish prices, deductibles or a full list of exclusions. A Lockton article from May 2023 estimates track day insurance typically costs between $150 and $500 per event. That is Lockton's own estimate and not a quote.

OpenTrack is a separate seller and is not Hagerty. Its insurance page names Texas Insurance Company as the underwriter and says cover is available at up to $500,000 stated value. Its FAQ says liability is optional, with limits of $1,000,000 or $2,000,000 per occurrence, follows the driver and not the car, and does not extend to bodily injury to the driver or passengers in the insured car. After a claim, a 10% surcharge applies to your next base premium for five years, and a second claim in that period ends eligibility.

None of the three publishes a price on the pages I read. You get a number by requesting a quote, so any price you see quoted in a forum or an article is a snapshot for one car and one event.

UK track day cover

UK track day policies are usually sold per day or per multi-day trip and cover accidental damage to your own car, with a high excess. An evo guide published 12 May 2022 gives single-event examples at Bedford Autodrome for a 40-year-old with no convictions: about £89 with a £1,000 excess for a car worth about £7,500, and about £730 with a £5,000 excess for a car worth about £110,000. Those figures are four years old and are shown only to illustrate how value and excess move the price. Confused.com, last updated 25 August 2026, says entry-level single-day cover can start from around £60 for low-value cars and that most insurers charge roughly 1% of the car's value.

Providers whose own or partner pages I could read: Howden, which says it has partnered with Moris and covers European and UK tracks including the Nürburgring and Spa; Kingfisher Motorsport Insurance, where the old Reis web address now redirects and which lists an on-track accident damage product without published terms; MoneySuperMarket, which says its track day partner is Grove & Dean Motorsport Insurance; and Hagerty UK. Adrian Flux is named by evo as a specialist and runs a track day page, but its own site blocked me, so I cannot report its current terms.

Hagerty UK's page describes single-event track day cover for road-registered and competition cars, with optional time trial cover. It also lists optional engine, gearbox and fire cover. Standard in every motorsports policy, it says, are vehicle recovery up to £1,500 and track damage cover up to £2,500 for barriers and catch fences with a £500 excess per loss. Hagerty UK also lists liability insurance as a separate product. It says that product covers legal liability for death or injury to third parties, or damage to third-party property, arising from event activities declared to insurers. The page does not say this is included in the track day cover, so ask whether you need to buy it separately.

Circuit and country limits matter. Direct Line's November 2022 policy booklet excludes use on the Nürburgring Nordschleife. evo says European circuits may not be covered by a UK track policy and that public Nürburgring days are even less likely to be covered. Check the policy schedule for the circuits listed.

Australia, briefly

One Underwriting, an Australian provider, sells track day insurance that its page says covers rallies, driver training days, driver experience events, track days, club days and sprints. Listed benefits include impact damage, theft or attempted theft, malicious damage, fire, explosion and flood. The page says almost all standard motor policies exclude cover from the moment you enter a race track, and that track cover is not a replacement for a standard motor policy. It does not publish a price, an excess or whether the policy is per event, and refers readers to the product disclosure statement.

Event licensing is separate from insurance. Performance Driving Events' Baskerville Raceway track day requires an AASA Club Racing Licence or AASA Day Licence, and its page does not mention insurance. One Raceway's timed track day at Wakefield on 11 April 2026 required a Motorsport Australia or AASA speed licence, or a $35 day membership, and its page also did not mention insurance. A timed day may be treated differently from an untimed one by an insurer, so ask before you book.

What track day insurance usually does not cover

Every policy has its own list, and the product pages I read were marketing summaries that did not publish full exclusions. These are the gaps that the providers and guides themselves describe.

• Racing. Hagerty and RLI describe their HPDE policy as designed for education events and not competitive wheel-to-wheel racing. A 2020 NASA Speed News article says Lockton does not cover cars involved in wheel-to-wheel racing.
• Timed events. This varies by provider. Hagerty and Lockton both mention time trial cover, RLI sells competitive time trial cover separately, and OpenTrack's FAQ lists time trials and any event with timed or ranked results as excluded. Confused.com lists races and time trials as common UK exclusions.
• Liability to other people. Hagerty's US HPDE policy does not include it. OpenTrack offers it as an optional add-on. UK guides say track policies usually exclude third-party liability and that each driver normally pays for their own car's damage. Javelin Trackdays says a track day policy will only cover damage to your own vehicle.
• Your own injuries. OpenTrack's liability cover does not extend to bodily injury to the driver or passengers. Hagerty and RLI describe their cover as physical damage only. SCCA's participant accident insurance, which its April 2026 article describes as excess medical coverage for members at SCCA-sanctioned events, provides up to $1,000,000 in medical expense reimbursement but does not cover damage to your vehicle. Other organisers differ, so read theirs.
• Track and facility damage. OpenTrack says its optional liability cover includes damage to track property. Hagerty UK covers barrier and catch fence damage only up to £2,500 and excludes the track surface and buildings. At Hooked on Driving events the driver involved in an incident is responsible for track surface damage, towing, fire and rescue costs. SCCA says barrier damage at its events is handled through the event's insurance rather than billed to the driver.
• Mechanical failure. Confused.com lists engine or gearbox failure as a typical exclusion. Hagerty UK offers optional engine and gearbox cover.
• Undeclared modifications. Confused.com warns that undisclosed changes can lead to rejected claims.

What organisers' waivers and event insurance mean

A waiver or release is a legal agreement with the organiser. It is not insurance for your car. Organisers usually carry event insurance that is separate from yours. SCCA's April 2026 article says its event policy provides participant accident cover and handles track facility damage, and that it "does not provide coverage for damage to your vehicle". MSV Trackdays' terms say it does not require you to have insurance and that arranging cover for your own vehicle is your choice. The same terms say MSV and its group are not responsible for loss, damage or injury caused by attending, except for death or personal injury caused by MSV's negligence or fraudulent misrepresentation.

Some organisers sell facility damage waivers. The Hooked on Driving Watkins Glen registration lists a Track Damage Defense Waiver at $100 per day or $150 for all event days that covers the first $1,000 of facility damage. NASA's event pages mention an optional facility damage waiver and outside track insurance options but do not give a price on the pages I read. These waivers address damage to the track and are not physical damage cover for your car.

Whether a waiver limits a claim against another participant or the organiser depends on the wording and the law where you live. This page does not answer that question, and neither do the organisers' marketing pages. Read the release you sign for the specific event.

Motorcycles, and questions to put to a provider

Motorcycle track day cover is harder to find from the providers above. Progressive's motorcycle page lists track riding as typically excluded. Hagerty and RLI say they do not offer HPDE cover for motorcycles. OpenTrack's pages that I read describe cars only, and a High Plains Raceway page about OpenTrack says cover is not available to motorcycles. N2 Track Days says its membership includes crash and mechanical assurance, but I could not read the terms. Check the organiser's rules and ask a specialist broker for motorcycle-specific quotes.

These are questions to ask a provider or your own insurer. They are a prompt and not advice for your situation.

• Is this event, with its run groups and any lap timing, within the cover? Does a time trial or timed session change that?
• What is the agreed or stated value basis, and are my modifications covered?
• What is the deductible or excess in dollars or pounds for my car's value?
• Is liability included, and does anything cover my own injuries or passengers?
• Are my instructor and a second driver covered, and is the paddock covered?
• Is damage to the track, barriers or other competitors' cars covered?
• Can I get the policy wording and the confirmation in writing before the event?