04/16/2025
What is Track Day Insurance Coverage?
Track Day Insurance is a specialized policy designed to cover damage to your car while you're participating in non-competitive, high-performance driving events—aka, “track days.” These are usually events where car enthusiasts take their vehicles to a race track to drive at high speeds in a controlled environment.
Think of it like this: you're not racing wheel-to-wheel like in NASCAR or Formula 1, but you’re pushing your car harder than you ever could on the street. That extra speed and intensity mean a higher risk of damage—and that’s where Track Day coverage steps in.
How is it different from regular auto insurance?
Here’s the key difference:
Type: Regular Auto Insurance Covers Street Driving✅ Yes Covers Track Use❌ No Key Notes: Almost all personal auto policies exclude damage that happens during a track event, even if it’s non-competitive.
Type: Track Day Insurance Covers Street Driving❌ No Covers Track Use✅ Yes Key Notes: Only covers you while on the track, for the event date(s) you purchase it for.
So, if you wreck your car at a track event, your regular auto policy likely won’t cover it. That’s why Track Day Insurance is so important if you're hitting the circuit.
What about Collector Car Insurance?
Collector car policies (like those from Hagerty or Grundy) are made for classic, exotic, or limited-use vehicles. While they offer great agreed value coverage and sometimes cover "parade use" or "exhibitions," they almost never cover track usage unless explicitly stated.
If you're driving your baby (classic, exotic, or performance car) at Atlanta Motorsports Park or Road Atlanta, you need a separate Track Day policy. It's usually sold as a per-event policy or a multi-event package.
Companies that offer it include:
* Lockton Motorsports
* Hagerty (separate from their collector car policy)
* RLI
* OpenTrack
Please feel free to contact me for information on Track Day Insurance. Hansi Holloway 770-901-2095