FREQUENTLY ASKED
QUESTIONS

No. OpenTrack covers non-competition track time only. Competitive events, warm-up laps, and wheel-to-wheel racing are not covered under our physical damage or liability policies. 

Yes. Instructors are covered under our physical damage policy while they are instructing drivers listed on the policy.

Yes. OpenTrack is the only track insurance provider to offer drivers individual track liability coverage for both property damage and bodily injury.

OpenTrack's liability policy follows you, the driver, regardless of which vehicle you drive on track. Our quoting system requires you to enter one vehicle to get a quote, but that vehicle does not appear on the policy. Coverage follows the driver.

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.

The high volume of Ferrari claims and the corresponding costs associated with those claims created profitability issues several years in a row.

No. OpenTrack requires that the primary driver/policyholder have an insurable interest in the vehicle being insured. Also, our single-event policy rates are not accurate for rental scenarios.

For owners who are renting their vehicles (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 email us for a quote.

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.

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

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.

Follow these links to view samples of our physical damage and track liability policies.

Policy documents will be available to view or download on your account dashboard. Digital copies will also be emailed to you after purchase.

Yes. Log in to your account dashboard to view and edit your policy anytime.

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.

Our team will contact you approximately 60 days before your policy expires. Conveniently review, edit, and renew your coverage 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 receive exclusive access to on-demand coaching content, members-only webinars, and custom track guides designed to make them better, faster, and safer drivers. All at no additional charge.

Your custom member dashboard will guide you through our driver coaching curriculum. No matter your experience level, our tailored coaching content will help you make the most out of your next track day event.

Nothing! Our Drive Better program is free for annual members.

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.

Annual Policies
OpenTrack’s annual policies are fully earned at inception. Midterm cancellations will not result in prorated refunds. If you are on our monthly payment plan, you are responsible for paying the remainder of your 12 month term.

On-Demand Policies
OpenTrack’s on-demand policies are non-refundable. However, they may be moved to a different date. This must be done prior to 12:01 am on the day of policy inception. You can move your policy to another date (up to 30 days ahead of your policy’s effective date) by logging into your account and selecting “Request Change” from your policy page.

If your event was cancelled the morning of, you can request to have your policy moved to a different date by emailing a letter from the event organizer showing the event never took place to help@opentrack.com.

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.

Claims are filed directly through our claims portal. If you need immediate assistance from a human, contact Jerod Blakestad at jb@opentrack.com or (612) 231-1522. You will need a copy of the incident report, pictures of the damage, and an estimate for repairs (if applicable).

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.

Repairs can be performed at your preferred shop. Our claims team will work with them directly to get you back on track ASAP. Do not let the 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%
—10% surcharge added to the base premium

 

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

Drivers must be 25 or older to secure 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.

No. We cannot offer coverage for salvaged title cars.

Use our online chat function, email us at help@opentrack.com, or call us at 612-231-1522.