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Originally Posted by aswy6
Yeah i heard about their safety record and everything but still debating whether or not i should get track insurance? leaning towards a yes right now  |
I think track insurance just gives you total peace of mind on your first few track days. Taking a $80k car to a track for the first time..whilst is TONS OF FUN in the F80, I had some comfort in knowing that my maximum exposure was $6k.
Track insurance is probably less important in HPDE events as they don't allow "racing" or passing without permission and I'm sure as you get more comfortable with other drivers and your car that you can probably think twice about track insurance. But for your first time? Bite the bullet, get your mind into "fun mode" rather than "shit, I have to take this turn a lot slower than I'd like because I'm worried about going off course and causing damage."
I ended up choosing Hagerty because their 10% deductible rate was a few dollars cheaper than Lockton's 15% deductible rate.