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Originally Posted by fredzy
A related but sorta separate question: for folks that regularly take a daily driver or otherwise non-dedicated car to the track.. who do you use for normal car insurance?
I recently did my first track day - the Toyota freebie with NASA. I didn't get insurance for the day which was the right move because it would have been a waste. Traffic due to newbies was so heavy it was like driving at public road speeds for the few sessions we got.
Anyhow I was thinking to make doing at least 1 or 2 HPDEs per year a thing and so may do insurance in the future. I called my current provider to make sure they had no issue with me getting track day insurance on top of theirs and was informed driving any car under their policy on a race track in any capacity is prohibited use, and if I did so they will drop me and all of my vehicles all together. Whew!
Calling around I've gotten through about 5 major providers. Everyone says same thing - even though the policy excludes them from track accident liability, they don't want the risk. So no race track at all, or no policy. Hagerty is the only one I've spoken to that is OK with track days on their regular policy. Unfortunately I plan to drive the car 5-8k mi per year which is way too high for them as their "regular" insurance is intended for low-mileage classics.
So does anyone have a regular insurance policy that is OK with going to the track, just no coverage if something happens there? Or is everyone in that boat just winging it?
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Carry regular insurance, and specifically buy track insurance for track days, if you want coverage on a track.