[MrPalms]

Can anyone recommend any affordable, but reliable insurance companies? The company partnered with the track I would be using wanted over $500 for the one day event. Totally new to this, but that seemed very steep.

[FarmerFran]

I have not looked in to it lately but can you use it through your insurance by calling it driver improvement course?

[foshjowler]

Hagerty and Lockton are both very popular. Haven't heard people complaining about the claims process when it's been needed.

[kropscamaro16]

thats pretty high some places guys use are hagerty or lockton or this place
new



https://www.opentrack.com/

[Cptchris]

I was quoted 500 too, I want to take mine to the track to give it a try. But it’s looking to cost 1k to do this, I was looking to get an instructor to teach me some of the finer points.




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[1LEASYE]

Hagerty, all day everyday

[m6-lt1]

I just ran a quote with hagerty for the track njmp. Put the value of my car at 32,500 and got quoted for 362. I’m sure if my car was newer/valued higher it would have been between 4-500 bucks

[m6-lt1]

When I got a quote last year before the values of our cars spiked it was $250 with my car valued at 27k I think.

[UnknownJinX]

What kind of event are you running?

For a well-organized open lapping day or HPDE, I generally don't think there is much need for it. For a more competitive event then yes, it's a good idea to get it because people are in it to win it and will push their limits.

If you haven't done any motorsport before, try Autocross first so you get a feel in a safer and more slow-paced environment.

[foshjowler]

Originally Posted by UnknownJinX

What kind of event are you running?

For a well-organized open lapping day or HPDE, I generally don't think there is much need for it. For a more competitive event then yes, it's a good idea to get it because people are in it to win it and will push their limits.

If you haven't done any motorsport before, try Autocross first so you get a feel in a safer and more slow-paced environment.

I disagree that at a general HPDE it's unnecessary. Even if you go through the day with an abundance of caution, you never know when something out of your control happens. If you're able/willing to write off a $30-40k car with no financial backing, then good for you. Most people aren't though. I wouldn't expect something to happen, but you don't want to put yourself in a poor financial position to save a few hundred dollars.

[Kmeleon]

Originally Posted by foshjowler

I disagree that at a general HPDE it's unnecessary. Even if you go through the day with an abundance of caution, you never know when something out of your control happens. If you're able/willing to write off a $30-40k car with no financial backing, then good for you. Most people aren't though. I wouldn't expect something to happen, but you don't want to put yourself in a poor financial position to save a few hundred dollars.

Totally +1! My last event at NJMP lightning I had an S2000 spin a couple car lengths in front of me on the 2nd last 90 degree corner. I'll be completely honest and laugh at me if you want, f it wasn't for my iracing experience in exact situations like that I may have ran straight thru him exiting the corner when he tank slapped it. I saw it happening a few seconds before it happened. I felt like I was right back in my sim seat.

But getting back to the pro/cons for track insurance... Our cars are fast. If you drive sensible you probably don't have to worry about yourself but anytime you're passing cars at high rates of speed like we are things can happen. Some of these guys really drive like heros. Pay the couple hundred in insurance IMO. It's not worth the chance of totalling your $25k-70k ride and still paying for it monthly. Just my 2 cents.

[Hops]

Originally Posted by Kmeleon

Totally +1! My last event at NJMP lightning I had an S2000 spin a couple car lengths in front of me on the 2nd last 90 degree corner. I'll be completely honest and laugh at me if you want, f it wasn't for my iracing experience in exact situations like that I may have ran straight thru him exiting the corner when he tank slapped it. I saw it happening a few seconds before it happened. I felt like I was right back in my sim seat.

But getting back to the pro/cons for track insurance... Our cars are fast. If you drive sensible you probably don't have to worry about yourself but anytime you're passing cars at high rates of speed like we are things can happen. Some of these guys really drive like heros. Pay the couple hundred in insurance IMO. It's not worth the chance of totalling your $25k-70k ride and still paying for it monthly. Just my 2 cents.

yep, it's like driving on the street, you buy the insurance mostly because of the other guy! I was at NJMP this month, and the car behind dropped transmission fluid every where, black flagging the session. As we were coming around to pit we went through the slick... it was hard to see. I can't image hitting that at pace.

It's funny, i think most of the cars i see spin out, or are driven way beyond their abilities, probably don't have insurance.


I would add... shop between hagerty and lockton. hagerty was initially cheaper for me, but now i'm seeing hagerty being more expensive then lockton on some tracks.

[Kmeleon]

Originally Posted by Hops

yep, it's like driving on the street, you buy the insurance mostly because of the other guy! I was at NJMP this month, and the car behind dropped transmission fluid every where, black flagging the session. As we were coming around to pit we went through the slick... it was hard to see. I can't image hitting that at pace.

It's funny, i think most of the cars i see spin out, or are driven way beyond their abilities, probably don't have insurance.


I would add... shop between hagerty and lockton. hagerty was initially cheaper for me, but now i'm seeing hagerty being more expensive then lockton on some tracks.

I concur with you opinion.... It does seem as the value goes down on the car people drive them harder. Less to lose, I stick to about 85%

[Rayvan]

Hagerty charged me about $330.00 for Sonoma a month, or two ago. White, brand new Miata got totalled that day. Don't know if the poor owner had insurance that day. Hope he did.