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All you need to know about track day car insurance

  • Auto Insurance
  • Renee Martin
  • 6 minutes

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As track days become ever so popular, we take a look at the various car insurance options that could cover the cost of any unexpected damage to your vehicle.

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Ever fancied driving around a race track in your daily driver, living out your racecar driver fantasies? Many car clubs and raceways sprouting all over the country. It shouldn’t be too hard to find a race track near you. However, ensure you get your track day car insurance sorted before exiting the pit lane, as your standard auto insurance policy is unlikely to cover damages caused at the track. Get in touch with car insurance companies to know more about your car insurance before you hit the tracks!

Driving your natty Mazda Miata on track may be a lot of fun, as you get to unleash the true potential of its naturally-aspirated, high-revving motor. Heck, you might even set faster lap times than other drivers in their uber-expensive Porsches! However, it is important to remember that accidents do happen at the track. It’s common to find drivers making a mistake and colliding against a tire wall or barrier at the track. Sometimes, another driver could make an error and collide with you! Hence, it is important to make sure you are fully covered for any eventuality at the track.

What to keep in mind before hitting the tracks

Sadly, the standard auto insurance policies offered by most national and regional insurance carriers do not offer coverage for track days or high-performance driver’s education (HPDE) events. This could leave you vulnerable while you are at the track. Fortunately, there are insurance companies that offer track day insurance coverage that specifically offers coverage for high-performance drivers. So let’s take a look at how you could obtain the best track day car insurance quotes for your daily driver before even you could think of hitting the apex.


What is HPDE, or track day car insurance?

Just as you would wear a helmet to protect your head on a track day, keeping yourself and your car protected during a high-performance driver education event is important. HPDE insurance offers coverage for any physical damage to your car while participating in a track day or HPDE event. With HPDE insurance, you can get coverage for your street-licensed car or a specially built track car. 

Apart from accidental damage, an HPDE car insurance policy also covers vehicle modifications, blown engines, or fires that may occur after a crash. However, it is important to note that most providers do not offer liability coverage for a track day, which means you will have to pay out of your pocket for damages caused to another vehicle. Currently, insurance companies like Hagerty and RLI offer track day car insurance for HPDE events or track days.

How much does track day car insurance cost?

More often than not, a track day car insurance policy costs a lot more than your standard car insurance. The best way to find affordable track day car insurance quotes is to shop around. Obtain quotes from several insurance companies and compare insurance rates. You could do this by using Way.com, the financial platform for the future of transportation. 

In some cases, your car insurance company may require you to take part in a driver’s education event before you can hit the track. Several factors could affect your track day car insurance coverage. Some may find it difficult to insure a car that’s been heavily modified. In such instances, you could ask your insurance provider to include an Agreed Valuation clause that offers coverage for your custom vehicle. Sometimes, having an instructor could increase the chances of you getting approved for track day insurance.

Please note that your insurance provider could delay claims. This is in the event, if you’ve been found participating in timed events. These include time trials or a full-fledged racing event or competition. Hence, it is important that you read your policy closely to understand what’s covered and what’s not in your track day car insurance policy.

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When should I get track day car insurance?

It’s relatively easy to buy track day car insurance for standard cars. You could purchase your policy on the day of the event. However, we recommend shopping around for the best quotes and applying for your policy a few days before the event so that your insurance agent has enough time to file all the required paperwork. Track day car insurance can be purchased for a single day or a weekend. Be sure to inform your insurance company about the date of the event so that they can offer you the lowest rates possible.

What to do if you have an accident at the track?

If you’ve had an unfortunate accident at the track, you must contact your insurer within 24 hours of the incident. Contact your insurance company ASAP. You can buy some time to collect the necessary evidence to make your claim. You could provide video footage of the accident to make a solid case for your claim.

Things to look out for before hitting the track

While driving around a track can be exhilarating, it is also dangerous. Make a mistake, and you could end up with a severe head injury, torn muscles, and broken bones. Make sure you have all the right kits with you. Not all tracks require drivers to wear fireproof racing overalls, but it is mandatory to wear a race-certified helmet. A pair of driving gloves and shoes with thin soles could help offer enough grip at the controls. 

Additionally, check the health of your car by inspecting and replacing any worn parts. These include belts, brake pads and discs, wheels and tires, and even your seat. But most importantly, do not try to impress anybody! Remember, track days are popular because they offer the opportunity to hone your driving skills. So be respectful to other drivers and do not attempt to goad them to a race.

PS: Always wear your seatbelt before firing up your engine. And if you intend to drive on the track, remember to wear a helmet.


Find affordable car washes near you to ensure your car is clean before and after your track day. 


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