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HPDE Insurance for Track Events | MotorsportReg.com

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Program Benefits

  • Choose the plan that works best for you
    • Single-Event Policy — A la carte, single-event policies protect your vehicle while you are participating in an HPDE event. A great solution if you participate in 5 events or less per year.
    • Multi-Event Policy — For enthusiasts who participate in 6 or more events per year, we offer annual HPDE insurance policy options that provide coverage at a discounted rate for multiple events (6, 9, 12 or 15 eventsin a policy year. The policy expires when all events have been used or when the annual term has expired, whichever comes first. Unused events can not be carried over to a future policy. Manage your covered events online 24/7 through our easy-to-use website.
  • Limited Exclusions — This insurance is designed specifically for structured High Performance Driver's Education events, unlike most standard automotive insurance policies.
  • No Appraisal Required — Coverage is for Agreed Value physical damage to your vehicle. You determine your vehicle's value with the help of resources such as Kelley Blue Book or Edmunds.
  • 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 provides coverage while an HPDE instructor is driving your car. You may also list one driver in addition to yourself at no charge.
  • Small Deductible — When you purchase a policy, you have your choice of a 10% deductible ($2,000 min/$5,000 max for cars values less than $100k, flat $10,000 for cars valued more than $100k) or 15% deductible ($3,000 min/$8,000 max for cars valued less than $100k, flat $15,000 for cars valued over $100k)
  • Primary coverage — A claim under this program will not be reported to your street insurance, so it will not affect your driving record or change your premiums for street insurance.
  • 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 an insurance carrier specializing in property coverage, rated "A+ Excellent" by A.M. Best.
  • Find Events Now >>

HPDE Insurance Program

You can get insurance for approved driving schools, HPDEs and Open Track events!   Find Events Now >> OR

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

As any High-Performance Driver's Education enthusiast knows, there is potential for damage to your car at HPDE events. Over the past ten years, the majority of 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".

Lockon Motorsports is pleased to offer HPDE Insurance on a single-event or multi-event basis without these exclusions, meaning our policy protects you where you really need it: on the track. 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 6 events)
$20,000 $159 $808
$30,000 $196 $1,039
$40,000 $258 $1,374
$60,000 $382 $2,044
$80,000 $506 $2,713

*These premiums assume a 15% deductible with no club discount. Rates can change due to deductible option selected, club discount, track surcharge (for single-event policies at high-risk tracks), and state surcharge (for multi-event policies in states with a number of high-risk tracks). These "premium indications" do include an estimate for state taxes and fees.

Coverage can be written for any amount up to $125,000. You tell us the value of your vehicle and modifications 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. Participants who have had more than one claim within a 3-year period are not eligible for this 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 Affinity, LLC

 

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