Five of our 110+ covered tracks are exclusive to annual members and are no longer eligible for daily coverage. These tracks include NJMP, Palmer Motorsports Park, Sonoma Raceway, VIR, and Watkins Glen.
Click here to receive an instant quote for our annual membership, which covers these tracks and gives you instant access to Drive Better coaching at no additional cost.
OpenTrack's liability coverage protects you if you harm someone else or their property—including track property. We offer $1M or $2M coverage on both daily and annual products.
There is no charge for exchanging vehicles of equal or lesser value 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 $150 per year (plus taxes and fees) for each additional vehicle.
Our physical damage policy is written by Evanston Insurance Company and is rated A+ (excellent) by AM Best. Our track liability policy is underwritten by certain underwriters at Lloyd’s and is rated A (excellent) by AM Best.
OpenTrack annual members enjoy automatic coverage at 110+ tracks across the United States and Canada. Visit our covered tracks page to see if your track is eligible for coverage.
Check out our live chat feature by clicking here.
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.
You can edit your contact details directly on your account dashboard.
No. OpenTrack policies are non-transferrable.
Yes, off-track coverage is available through our limited transport paddock product, which covers theft. 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 monthly payments will result in the early termination of your policy. You may also be 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:
—Vehicle deductible increases to 15%
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.