FREQUENTLY ASKED
QUESTIONS

Find a complete list of FAQs and helpful answers here.

YOU HAVE QUESTIONS, WE HAVE ANSWERS

OpenTrack answers your most commonly asked questions.
Will OpenTrack cover me for competitive events?
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.
Are instructors/professional coaches covered drivers?
Yes, on the Physical Damage policy instructors are covered drivers while instructing drivers listed on the policy.
Does OpenTrack Offer Liability Coverage?
Yes, we are the only track insurance provider in the market to offer drivers their own Track Liability Policy covering both property damage and bodily injury.
What do I actually get with Drive Better?
You will receive personalized instruction and coaching content, exclusive invites to Andy Lee's webinars, real life claims reviews and access to your own curriculum map to guide you through your progression in driving. All at no additional charge.
Do you offer discounts on insurance for being a SCCA or PCA member?
We've built our products to avoid what we consider "traditional pricing gimmicks". All of our customers, regardless of their affiliation, have access to our best price possible. 

By valuing every single driver, we put you at the center of what we do. Companies who have a higher base price and then offer discounts for only a select group of people segregate both their client base and their priorities.
Does the Track Liability policy follow the car or the person?
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.
What does your liability policy cover, and what limits are available?
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.
Why are Ferrari's ineligible for coverage?
The high volume of Ferrari claims, and corresponding cost associated with those claims, created profitability issues five years in a row. 
What happens if I change my vehicle(s) in the middle of my policy term?

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 (plus tax and fee) for each additional vehicle.

How do I file a claim?
Claims are filed directly through our Claims Portal. If you need immediate assistance from a human being, contact Co-Founder, Jerod Blakestad, at jb@opentrack.com or (612)231-1522. You will need a copy of the incident report, pictures of the damage and estimate for repairs (if applicable).
Who underwrites OpenTrack and are they financially sound?

Our physical damage policy is written by Evanston Insurance Company and is A+ rated (Excellent) by AM Best.

Our track liability policy is underwritten by certain underwriters at Lloyd’s, Hiscox Syndicates Limited and Argenta Syndicate Management Limited and is A rated (Excellent) by AM Best.

Does OpenTrack cover international tracks and events?

OpenTrack Drive Members (annual policyholders) have automatic coverage at the Canadian tracks listed here. We do not offer coverage outside of U.S. or Canadian Tracks. Please see our detailed Track List page for a full listing of where coverage is available.

What should I do if I have additional questions before purchasing?

Check out our live chat function by clicking here.

OPENTRACK COVERAGE & DRIVE MORE

Coverage for both your car and your actions. The rush should come from your speed, not your financial risk.
Can I review sample policies?
Click here for a sample of our Physical Damage Policy and a sample of our Track Liability Policy.
How will I receive my policy documents?
Policy document will be available to view or download on your Account Dashboard. They are also emailed to your inbox after purchase.
Can I change my coverage mid-term?
Yes, simply login and visit your dashboard to make any changes necessary to your policy.
How do I add or delete a vehicle?

Login and visit your dashboard to make any changes necessary to your fleet.

If you are adding a new vehicle, you will need the vehicle’s details (Year/Make/Model/Value/VIN). There will be a $150 a year (plus tax and fees) 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.

How do I change my contact information?

You can change your address, phone number or email address right on your Account Dashboard. 

How do I renew my annual policies?
Don't worry! We will be in touch with you around 30 days before your policy expires. Your annual policy offering will be available on your Account Dashboard for you to review, make changes and renew coverage.
Can I transfer my coverage to someone else?

No, OpenTrack policies are non-transferrable.

Does OpenTrack offer Off-Track Coverage for Storage/Transit/Paddock/Theft?

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.

ABOUT DRIVE BETTER

Designed by our in-house Pro Driver, Andy Lee.
What can I expect to get with Drive Better?
You will receive personalized instruction and coaching content, exclusive invites to Andy Lee's webinars, real life claims reviews and access to your own curriculum map to guide you through your progression in driving. All at no additional charge.
How does Drive Better work?
Your OpenTrack Dashboard will guide you through our proprietary curriculum map. No matter where your driving skill is today, we will tailor coaching content to you to make the most of your time on track.
Who is Andy Lee?
Check out Andy's bio and accolades here.
How much does Drive Better cost?
Nothing! Drive Better is absolutely free to annual Drive members.

BILLING & PAYMENTS

Simple, straightforward billing.
What are my payment options?

Drive Members now have two payment options to pay for their annual policy:

Monthly or Pay-in-Full

The Monthly payment option is still an annual commitment, but allows you to spread your annual cost out over the course the year. You will pay two months up front and then pay monthly till the end of your policy period. We offer payment by Credit Card, Debt Card or ACH.

Pay-in-Full Annual policies give you a chance to save money and have a lower deductible. We offer payment by Credit Card, Debit Card or ACH. 

For OnDemand policies, we offer payment by Credit Card, Debit Card or ACH. 

How do I cancel my policy?
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 still responsible for paying the remainder of your 12 month term.

On Demand Policies
OpenTrack’s On Demand policies are non-refundable- however, 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 out from your policy’s current 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.
What happens if I stop paying my monthly premium? (Monthly Payment Drive Plan)

The monthly payment plan for OpenTrack Drive still requires an annual commitment. Failure to make monthly payments will result in early termination of your policy as well as ineligibility for Monthly or OnDemand purchases moving forward.

CLAIMS

Easily file a new claim backed by our pain-free white glove claim service.
How do I file a claim?
Claims are filed directly through our Claims Portal. If you need immediate assistance from a human being, contact Co-Founder, Jerod Blakestad, at jb@opentrack.com or (612)231-1522. You will need a copy of the incident report, pictures of the damage and estimate for repairs (if applicable).
What do I need to file a claim?

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.

Do I need to use a specific body shop for repairs?
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.
What impact will having a claim have on my policy/coverage?

Accidents happen. Unlike some of the other track insurance companies, we will still insure you after you have had a claim.

You will see a couple of changes when you buy policies after having your first claim.

 

Vehicle deductibles increase to 15%
20% Surcharge to base premium
* Changes remain for two years

 

If you have a second claim with OpenTrack you will no longer eligible for coverage after.

OTHER ITEMS TO KNOW

Are there age requirements?
Minimum age is 25.
How is vehicle value determined?
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.
Will you insure a vehicle with a salvaged title?
No. We cannot offer coverage for salvaged title cars.
I still have questions, who can answer them?
Please contact us on our online chat, email us at help@opentrack.com or call us at 612-231-1522. 

STILL CAN’T FIND WHAT YOU’RE LOOKING FOR?

The insurance world is full of case-by-case scenarios, and we’re here to help. If you have a question about your coverage, the claims process, or anything else, don’t hesitate to reach out.

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