FREQUENTLY ASKED
QUESTIONS

No.  OpenTrack provides coverage for non-competitive track time exclusively. Competitive events, including warm-up laps, qualifying, wheel-to-wheel racing, etc. are not eligible under our physical damage or liability policies.

NOTICE:  We have partnered with an alternative carrier outlet that allows us to offer coverage in their program for competitive track-driving exposures. If you’d like to discuss your particular situation, give us a call at 612-601-1034.

Yes, our single-event policies can cover the named insured (i.e., the vehicle owner) plus one additional driver. Our Annual Unlimited policy allows for an unlimited number of drivers.

All drivers must be at least 25 years old and are added at no extra cost.

NOTICE: If the vehicle is being rented, please refer to the question below about vehicle ownership.

Yes.  Instructors are considered ‘Covered Drivers’ under the Physical Damage policy while they are driving your vehicle for the purpose of instructing you.  This protection extends for the Physical Damage coverage only.

Yes. OpenTrack is the only track-day insurance provider that offers individual track liability coverage to drivers, for both property damage and bodily injury.

OpenTrack’s liability coverage protects you if you cause property damage or bodily injury to someone else external to vehicle you’re operating—including track-owned property. 

We offer $1M or $2M coverage on both our single-event and annual products.

Due to a surge in Ferrari claims and the resulting high costs, we faced profitability challenges over several consecutive years. As a result, we had to exclude Ferraris from eligibility in our proprietary programs, both single-event and annual.

NOTICE:  We have partnered with an alternative carrier outlet that allows us to provide coverage for Ferraris in their program, encompassing both non-competitive and competitive track-driving exposures. If you’d like to discuss your particular situation, give us a call at 612-601-1034.

No. OpenTrack requires that the primary driver/policyholder have an insurable interest in the vehicle being insured. Our policy-rates are not accurate for other scenarios.

NOTICE:  For vehicle-owners who are renting their cars to other drivers (i.e. Arrive-and-Drive), OpenTrack may be able to offer tailored coverage in our Annual Unlimited program. Additional underwriting and unique pricing would be necessary. Please reach out to discuss further at 612-601-1034.

There is no premium-adjustment for swapping one car for another that is equal or lesser value (i.e. coverage limit) during the policy-term. 

If you add another vehicle that is equal or lesser value than the highest-limit vehicle, we charge $150 (plus taxes and fees) for the year.

If you add another vehicle that is a higher limit than your current coverage, we simply pro-rate the increased premium due for the remaining time on the policy term plus $150 per year for the additional vehicle.

Physical Damage & Liability policies are underwritten by Texas Insurance Company, a member of North American Casualty Group, "A" rated (Excellent) by AmBest

Because track-day protection requires specialized coverage, OpenTrack's programs are underwritten by an Excess and Surplus (E&S) lines insurance carrier. These carriers provide tailored solutions for unique or high-risk exposures that standard insurers often decline to cover. However, this flexibility comes with additional costs, as E&S policies are subject to surplus lines taxes and fees. It's important to note that E&S programs are still regulated by state authorities to ensure consumer protection and compliance. The specific charges vary by state.

Our single-event program provides coverage for track-days at over 110 tracks throughout the United States. Visit our covered tracks page to verify if your desired track is eligible for coverage.

For OpenTrack Annual Unlimited members, automatic coverage is extended to all of our covered tracks across the United States and Canada.

Check out our live chat feature by clicking the Chat Online option above.

Yes, you have the flexibility to access and modify your policy details through your account dashboard at any time.

It’s important to be aware that making adjustments that result in increased coverage, such as raising coverage limits or adding vehicles, will require payment for the additional premium.

Reducing coverage will not lead to a refund or a reduction in your monthly payment obligation.

Visit your account dashboard to make changes to your fleet. Vehicles may be added for $150 each (plus taxes and fees). If the vehicle being added exceeds the value of the highest-value car on the policy, you must pay the difference in premium. Removing a vehicle will not result in returned premium.

You can edit your contact details directly on your account dashboard.

No. OpenTrack policies are non-transferrable.

Yes, we can offer Off-Track, Transport and Paddock coverage. Please email us for a quote.

Annual members can choose to pay in full or make monthly payments toward their policy. Members who pay in full save 50% on their deductible. Payments can be made via credit card, debit card, or ACH.

Our monthly payment plan requires an annual commitment. Failure to make scheduled monthly payments will result in the early termination of your policy.

Please note, the obligation to make remainder of the payments is not affected by policy-cancellation and you will remain responsible for paying the remainder of your 12-month contract.  A cancellation will also result in your being ineligible to secure future coverage from OpenTrack.

You will need a copy of the incident report, pictures of the damage, and an estimate for repairs. Do not let the body shop start repairs until authorized by our claims representatives.

Accidents happen. Unlike other track insurance providers, we will still insure you after you submit a claim. You will see a couple of policy changes following your first claim:

The changes above remain for two years. If you have a second claim with OpenTrack you will no longer be eligible for coverage.

OpenTrack drivers self-select coverage at their vehicles' stated value. We ask that you value each of your vehicles as close to replacement cost as possible. Your accuracy will keep you protected at the most affordable rates possible and help us avoid future rate increases.