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.
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.
For vehicle-owners who are renting their vehicles to 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 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.
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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, 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.