FREQUENTLY ASKED
QUESTIONS

No.  OpenTrack provides coverage for non-competitive track time exclusively. Competitive events, including time trial, autocross, 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.

No, we do not insure vehicles being driven on drag strips or straight track regardless of whether competitive or not.

No, we do not insure vehicles being driven during drifting events, whether taking place on a covered track or not.

Yes, you can include additional drivers on your policy.

• Single Event: Covers the named insured (vehicle owner) plus one additional driver.

• Annual Unlimited: Covers the named insured plus up to five additional drivers.

• Eligibility: Drivers must be at least 25 years old.

• Cost: No additional charge for adding drivers.

Important: If the vehicle is rented, please see the section below on 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 offering liability protection for drivers, covering both property damage and bodily injury.

We offer $1M or $2M coverage.

OpenTrack’s liability policy is driver-based, meaning it follows you regardless of the vehicle you drive on track. While our quoting system requires you to enter a vehicle to generate a quote—coverage stays with you as the driver.

Due to a significant increase in Ferrari claims and the associated high costs, we encountered profitability challenges over several years. As a result, we had to exclude Ferraris from eligibility in our programs, both for single-event and annual coverage.

NOTICE: We’ve partnered with an alternative carrier that allows us to offer coverage for Ferraris, covering both non-competitive and competitive track driving. If you’d like to discuss your specific situation, feel free to give us a call at 612-601-1034.

No, OpenTrack requires your car to be insured for its full replacement cost. This ensures the stability of our rating structure, keeps our pricing competitive for all drivers, and avoids complications in the event of a total loss—helping you get back to the track without hassle.

No, OpenTrack requires the policyholder to have an insurable interest in the vehicle being insured. Our policy rates are not applicable for other scenarios.

NOTICE: For vehicle owners renting their cars to other drivers (Arrive-and-Drive), OpenTrack may be able to provide tailored coverage through our Annual Unlimited program. This would require additional underwriting and customized pricing. Please contact us at 612-601-1034 to discuss further.

If you swap one car for another of equal or lesser value, there is no premium adjustment.

If you add a vehicle with an equal or lesser value than the highest-limit vehicle on the policy, the cost is just $150 (plus taxes and fees) for the year.

If you add a vehicle with a higher value than the highest-limit vehicle on the policy, we’ll pro-rate the additional premium for the remainder of the policy term.

There is no premium-adjustment for removing a car, regardless of its value in comparison to other cars on the policy.

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

Track-day protection requires specialized coverage, and OpenTrack’s programs are underwritten by an Excess and Surplus (E&S) lines insurance carrier. These carriers offer tailored solutions for unique or high-risk exposures that standard insurers may not 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, with charges varying by state.

Our single-event program offers coverage for track days at over 110 tracks across the United States. Check our covered tracks page to confirm if your preferred track is eligible for coverage.

For our Annual Unlimited members, coverage is automatically extended to all of our covered tracks throughout 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.

We understand that accidents can happen. Unlike many other track insurance providers, OpenTrack continues to offer coverage even after a first claim. However, the following policy change will apply after the claim is submitted:

— A 10% surcharge will be added to your base premium at next policy purchase.

This surcharge will remain in place for five years.

Please note: If a second claim is submitted within a five-year period, you will no longer be eligible for coverage moving forward.

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.