Most standard auto insurance policies don't cover HPDE events. Auto insurers have started to add specific language, excluding “tracking”, “high performance” and HPDE. Auto insurers have started to add specific language, excluding “track”, “high-performance”, “HPDE type” events, races or speed contests, or while they are on a “racing surface”. Without HPDE insurance, you may not be covered in the event of an accident or damage to your car.
Car body damage occurs very rarely, however, we recommend that you check with your insurance company about coverage. Most standard insurance policies exclude track coverage, such as HPDE, time trial, autocross and racing. Check if they tell you it's covered. Ask them for a list of “exclusions” in YOUR policy and consult an expert.
These companies often work with people whose driving record isn't the best. They also work with drivers who have high-performance vehicles. Atypical companies can also take out insurance in higher-risk areas that other insurers don't offer. By purchasing comprehensive coverage and collision coverage, you can save money by opting for higher deductibles.
There are no deductibles in liability insurance, which covers damage you cause to other people in an accident. The car insurance company that is cheapest for a person in one place could be the most expensive option for a driver in another state. The HPDE Track Day insurance offered by RLI provides physical damage coverage for your car while you participate in an HPDE event. However, even if you rarely drive a sports car and have a perfect driving record, you may pay much more for car insurance because of the performance of your race-quality vehicle.