Frequently Asked Questions

Questions We Hear Most OftenOver the years we've fielded a number of questions. These are the most common questions about OpenTrack that we hear on a regular basis.

No, OpenTrack is a non-competition, non-time-trial insurance coverage. Competitive events, warm up laps for qualifying, and actual races are not covered for physical damage or liability.

Yes, on both the Physical Damage & Liability policies, HPDE instructors are covered drivers while instructing drivers listed on the policy.

Yes, we are the only track insurance provider in the market to offer a Track Liability Policy. Click here for more details

The OpenTrack Liability policy follows you as the driver, regardless of what vehicle you are driving on-track. Our quoting system requires you to enter one vehicle to get a quote, but that vehicle does not show on the policy. Coverage follows the driver.

We cover you for financial harm of someone else or their property; including track property. We offer $1M or $2M of coverage both annually or on-demand daily.

There is no charge for changing out a vehicle for lessor or equal damage during the policy term. If you add a vehicle with a higher value than your current highest valued vehicle we simply pro-rate the increased premium due for the remaining months of the policy term and charge the $150 per year fee for each additional vehicle.

Claims are filed directly through our Claims Portal. If you need immediate assistance from a human being, contact Jerod Blakestad at jb@opentrack.com or 843-801-2788. You will need a copy of the incident report, pictures of the damage and estimate for repairs (if applicable).

Yes, the Effective Date field on the Sign Up Form allows you to select a date up to 30 days in advance.

Our physical damage policy is written by Aspen Specialty Insurance Company and is A-rated (Excellent) by AM Best. Our track liability policy is written by Lloyd’s of London, also A-rated (Excellent) by AM Best (syndicates Hiscox and Vibe).

Yes, both Canadian Track Coverage and International Track Coverage are available to U.S. domiciled clients. The same policy applies to insurance coverage in Canada and internationally (non-competition, non-time trial, covered tracks only) as the U.S.

About OpenTrack’s CoverageCoverage for both your car and your actions. The rush should come your speed, not your financial risk.

Click here for a sample of our Physical Damage Policy and a sample of our Track Liability Policy.

Policy document will be available to view or download on your Account Dashboard. They are also emailed to your inbox after purchase.

Your annual policy offering will be available on your Account Dashboard approximately 30 days before the expiration date. You can review, make changes and renew your policy on your Account Dashboard.

Email Sue Rieschl (sr@opentrack.com) with any requested changes. Soon you will be able to submit coverage changes through your Account Dashboard.

Email Sue Rieschl (sr@opentrack.com). If you are adding a new vehicle, please include the vehicle’s details (Year/Make/Model/Value/VIN). There will be a $150 a year charge for any additional vehicles, if the highest value vehicle changes to a higher amount, you will have to pay a prorated difference according to the new higher value.

You can change your address, phone number or email address right on your Account Dashboard. Click on "Drivers." click "Edit" and easily update your information.

OpenTrack policies are non-transferrable.

Yes, off-track coverage is available though our Limited Transport Paddock product which does cover theft. This product is sold separately from the website at this time, please email us for a quote.

Billing & PaymentsSimple, straightforward billing.

Payment options include Credit Card, Debit Card and ACH. We love when members choose ACH since it saves us transaction fees!

Annual Policies
OpenTrack’s policies are fully earned at inception. Midterm cancellations will not result in prorated refunds.

On Demand Policies
OpenTrack’s On Demand policies may be cancelled up until 12:01 am the day of policy inception. The full premium will be refunded minus Administration Fees. To cancel a policy prior to going into effect, email sr@opentrack.com. Please allow 7 to 10 days for a refund to process.

ClaimsEasily file a new claim backed by our pain-free white glove claim service.

Claims are filed directly through our Claims Portal. If you need immediate assistance from a human being, contact Jerod Blakestad at jb@opentrack.com or 843-801-2788. You will need a copy of the incident report, pictures of the damage and estimate for repairs (if applicable).

You will need a copy of the incident report, pictures of the damage and estimate for repairs (if applicable). In the instance of a claim, do not let the body shop start repairs until authorized by our claims representatives.

You can use your preferred body shop. Our claims team will work with them through the repair to get you back on track ASAP. In the instance of a claim, do not let the body shop start repairs until authorized by our claims representatives.

Other Items to Know

Minimum age for automatic driver inclusion is 25. If you have a son or daughter under 25, please email Sue Rieschl (sr@opentrack.com) to add your dependent to your policy. Please include date of birth and any track driving experience.

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 rate possible and help us avoid rate increases or dramatic changes to underwriting in the future.