FREQUENTLY ASKED
QUESTIONS

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.

Yes, on the Physical Damage policy instructors are covered drivers while instructing drivers listed on the policy.

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.

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.

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.

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.

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.

The high volume of Ferrari claims, and corresponding cost associated with those claims, created profitability issues five years in a row. 

There is no charge for changing out a vehicle for lesser 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.

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).

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.

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.

Check out our live chat function by clicking here.

Click here for a sample of our Physical Damage Policy and a sample of our Track Liability Policy.

Policy document will be available to view or download on your Account Dashboard. They are also emailed to your inbox after purchase.

Yes, simply login and visit your dashboard to make any changes necessary to your policy.

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.

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

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.

No, OpenTrack policies are non-transferrable.

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.

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.

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.

Check out Andy's bio and accolades here.

Nothing! Drive Better is absolutely free to annual Drive members.

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. 

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.

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 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).

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.

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.

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.

Minimum age is 25.

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.

No. We cannot offer coverage for salvaged title cars.

Please contact us on our online chat, email us at help@opentrack.com or call us at 612-231-1522.