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HPDE Insurance for Track Events |

Program Benefits

  • Choose the plan that works best for you
    • Single-Event Policy — for enthusiasts that participate in 5 events or less each year, this affordable option lets you buy an individual policy for each event you attend.
    • Multi-Event Policy — enthusiasts that participate in 6 or more events per year can customize a policy to meet their needs. 4 policy options (6 events, 9 events, 12 events, or 15 events) provide the perfect solution for nearly any avid HPDE enthusiast. The policy expires when all events have been used or at the end of the policy term, whichever comes first. Customers can manage their covered events 24/7 using our easy online system.
  • Limited Exclusions — unlike other plans, we will cover you for structured HPDE events.
  • No Appraisal Required — you know how much your vehicle is worth, so we let you determine the value and save you the expense of an appraisal.
  • Coverage for Vehicle Modifications — you can choose to list and insure the modifications you've made to your vehicle.
  • Automatic Extension for HPDE Instructors — the policy follows your vehicle and is automatically extended when your HPDE Instructor is driving it. Add a 2nd driver for no additional charge.
  • Small Deductible — when you do have a claim, only a small 10% ($2,000 min./$5,000 max.) deductible applies.
  • Primary coverage — the policy never reports incidents protecting your rates and driving record on the street.
  • Easy to acquire — get your policy online quickly through our partnership with HPDE Insurance Program offered by Lockton Affinity.
  • Experienced, Secure Carrier — coverage issued through financially secure insurance carrier specializing in property coverage, rated "Excellent" or higher by A.M. Best.
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HPDE Insurance Program

You can get insurance for approved driving schools!   Find Events Now >> OR

You can purchase a multi-event/annual policy! Buy Now >>

As any High-Performance Driver's Education enthusiast knows, finding the single-event coverage you need to protect yourself during events is almost impossible. Over the past 5 years many auto insurers have changed their policies to exclude coverage for claims "occurring on a surfaced used for racing" or "at a high-performance driving event".

HPDE Insurance Program is pleased to offer single-event or multi-event insurance without these exclusions, meaning our policy protects you where you really need it - on the track. Cost varies slightly state-by-state based on taxes, but the following table gives you an idea of how affordable this coverage is:

Agreed Value Approximate Single-Event Premium (with fees) Approximate Multi-Event Premium (covering 9 events)
$20,000 $143 $1,055
$30,000 $210 $1,348
$40,000 $276 $1,786
$60,000 $410 $2,662
$80,000 $543 $3,537

Coverage can be written for any amount up to $125,000 - you decide how much you want to insure your vehicle for and that's the value for which you'll be covered.

Want more details?   See Now >>

Ready to sign up?   Find Events Now >>

The Fine Print

This coverage is for physical damage only; it does not include liability coverage.

There are other restrictions and requirements so please read the policy language carefully after following the link. Find Events Now >>

Insurance Program Administered by Lockton Risk Services


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