Motorsports coverage 101
If you’re gearing up for the spring racing season, you might be dusting off your car, checking tire pressures, or planning your next track day. But have you thought about your insurance coverage?
Many standard auto policies don’t cover physical damage on an agreed value basis, don’t use original equipment manufacturer (OEM) parts for repairs, limit your choice of repair shops, and don’t cover damage sustained on the track. These gaps may leave you exposed to financial loss—from a parking lot fender bender to an incident during a high-performance driving event (HPDE).
That’s where specialized insurance comes into play. Our solutions are tuned to help provide protection that fits your fast-paced lifestyle and your vehicle’s unique needs. We look at things like:
Agreed value coverage: A key feature of our motorsports insurance is the ability to predetermine your vehicle’s value. Unlike traditional policies that may depreciate your car’s worth, agreed value coverage means if your vehicle is a total loss, you receive the full amount agreed upon—without appraisal hassles or surprises.
High liability limits: Motorsports activities like racing carry risks that standard auto policies may not fully cover. We offer liability limits up to $1,000,000, helping you get back on track if a crash happens.
No mileage limit: Enjoy your vehicle without worrying about odometer readings. Our policies recognize motorsports enthusiasts often need unlimited hobby use, so whether you’re driving to a cruise night or pushing your car to the limit on the track, you’re covered.
On-track physical damage coverage: Coverage extends to physical damage during HPDE events and club racing, letting you focus on your performance instead of policy details.
Automatic coverage for new acquisitions: Adding a new car to your collection? We provide automatic coverage for newly acquired vehicles for a limited time, so you could enjoy your latest investment right away—no phone calls needed.
Protection for collections and museums: For those with extensive collections or museums, we offer security and loss control consultations to help protect your auto-related investments.
Our expertise goes beyond individual collectors and racers. We also offer solutions for clubs, restoration shops, race shops, collectors, and more. As your hobby grows, so do your motorsports coverage needs.
