HPDE/Open Lapping Insurance?

flybigjet · 08-31-2021, 01:10 PM

Any suggestions? I finally was able to get hold of the fine print in my automotive policy, and I'm *not* covered for HPDE's.

So, anyone have a good steer to a relatively inexpensive option that covers in Colorado?

Most that I've looked at (on track & locton) don't seem to have anything in CO.

TIA--

R.

detroitm2 · 08-31-2021, 01:22 PM

I use OnTrack insurance.

https://ontrackinsurance.com/

If they do not have an event listed, just shoot them an email, they'll get it added to their list.

flybigjet · 08-31-2021, 02:04 PM

Quote:

Originally Posted by detroitm2

I use OnTrack insurance.

https://ontrackinsurance.com/

If they do not have an event listed, just shoot them an email, they'll get it added to their list.

I did shoot them an email-- and they said that CO is the only state in the country that they don't cover.

Go figure.

R.

dvas · 08-31-2021, 02:06 PM

Hagerty?

DRLane · 08-31-2021, 02:47 PM

Open track - I've used it in CO. But doesn't cover TT or any competitive events.

detroitm2 · 08-31-2021, 03:05 PM

Quote:

Originally Posted by DRLane

Open track - I've used it in CO. But doesn't cover TT or any competitive events.

This will probably be the same with most underwriters. TT and other competitive events are inherently more risky.

DRLane · 08-31-2021, 03:11 PM

Quote:

Originally Posted by detroitm2

Quote:

Originally Posted by DRLane

Open track - I've used it in CO. But doesn't cover TT or any competitive events.

This will probably be the same with most underwriters. TT and other competitive events are inherently more risky.

Lockton, RLI, and Hagerty offer TT insurance options. But NOT for CO.

Maynard · 09-01-2021, 07:53 AM

I use Lockton here in NY (about half as expensive as Hagerty). I would contact somebody there (in person/direct, not via web info) to ask them why they aren't covering CO. Might just be that they haven't added the sites to their listings? Might also help to work with your local BMWCCA chapter, as they might have more pull (you can't be the only person at their events who wants insurance). And AFAIK, none of the auto insurance carriers will cover HPDE, they all have disclaimers about either driving on racetracks, or specifically mentioning HPDE - if anyone can confirm otherwise I'd love to hear about it.

OG Shark · 09-01-2021, 08:07 AM

Quote:

Originally Posted by DRLane

Lockton, RLI, and Hagerty offer TT insurance options. But NOT for CO.

What are you Colorado guys doing that has the insurance companies so scared??? Supposed to keep it onnnnnn the track

DRLane · 09-01-2021, 09:06 AM

Quote:

Originally Posted by OG Shark

Quote:

Originally Posted by DRLane

Lockton, RLI, and Hagerty offer TT insurance options. But NOT for CO.

What are you Colorado guys doing that has the insurance companies so scared??? Supposed to keep it onnnnnn the track

Gabe keeps posting hot lap videos and they're nervous we all drive that fast.

Noel911 · 09-01-2021, 02:12 PM

I self insure.

Policies 20 years ago used to say not covered if racing. Most now say not covered on a circuit used for racing.

flybigjet · 09-02-2021, 03:09 PM

..... aaaand, Locton is out.

They don't offer any coverage in CO.

The funny thing is that in the HPDE paperwork, it says that they've partnered with Locton. I'll have to ask a few questions this weekend.

I wonder why CO is on the Black List?

R.

bimmerboyE92 · 09-08-2021, 09:21 AM

Quote:

Originally Posted by detroitm2

This will probably be the same with most underwriters. TT and other competitive events are inherently more risky.

This is incorrect (may be state specific). Hagerty covers time trials...

https://www.hagerty.com/insurance/track-day-insurance

08-31-2021, 01:10 PM	#1
flybigjet Remove Before Flight 6822 Rep 1,611 Posts Drives: M2C & Boeing's light twin Join Date: Dec 2019 Location: Littleton (Denver), CO iTrader: (1)	HPDE/Open Lapping Insurance? Any suggestions? I finally was able to get hold of the fine print in my automotive policy, and I'm not covered for HPDE's. So, anyone have a good steer to a relatively inexpensive option that covers in Colorado? Most that I've looked at (on track & locton) don't seem to have anything in CO. TIA-- R. __________________ Current: M2C, Miata RF-GT, RDX & Element // R1200GS & VRSCF Previous: M3, Focus ZX3-S2, Superchaged Solara, Samurai, Integra, Pinto & RX-4 // VRSCR, R6S, FZ1 & FZ600 Last edited by flybigjet; 08-31-2021 at 01:20 PM..
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08-31-2021, 01:22 PM	#2
detroitm2 Colonel 2429 Rep 2,526 Posts Drives: 2018 M2 Join Date: Aug 2018 Location: Michigan iTrader: (2) Garage List 2018 BMW M2 [0.00]	I use OnTrack insurance. https://ontrackinsurance.com/ If they do not have an event listed, just shoot them an email, they'll get it added to their list. __________________ 2018 M2 - Daily Driver/Track Car Motorcity BMWCCA Member Instagram \| YouTube
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08-31-2021, 02:06 PM	#4
dvas Lieutenant 518 Rep 582 Posts Drives: 2017 M2 - Mineral Gray, 6spd Join Date: Jul 2014 Location: NYC iTrader: (0)	Hagerty? __________________ 2017 BMW M2 5Spd, 2007 VW Touareg, 2023 Yamaha MT09 SP https://www.instagram.com/dvas99/ https://www.youtube.com/channel/UC2j..._as=subscriber
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08-31-2021, 02:47 PM	#5
DRLane Brigadier General 3989 Rep 3,409 Posts Drives: E92 M3 Join Date: Oct 2018 Location: Colorado iTrader: (21) Garage List 2008 m3 [6.63]	Open track - I've used it in CO. But doesn't cover TT or any competitive events. __________________ Not a Doctor, those are just my initials.
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09-01-2021, 07:53 AM	#8
Maynard Colonel 3848 Rep 2,873 Posts Drives: 228iX & M2C Join Date: Mar 2016 Location: Upstate NY iTrader: (1)	I use Lockton here in NY (about half as expensive as Hagerty). I would contact somebody there (in person/direct, not via web info) to ask them why they aren't covering CO. Might just be that they haven't added the sites to their listings? Might also help to work with your local BMWCCA chapter, as they might have more pull (you can't be the only person at their events who wants insurance). And AFAIK, none of the auto insurance carriers will cover HPDE, they all have disclaimers about either driving on racetracks, or specifically mentioning HPDE - if anyone can confirm otherwise I'd love to hear about it.
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09-01-2021, 02:12 PM	#11
Noel911 Private First Class 90 Rep 126 Posts Drives: 2017 M2 & 2019 Golf R (Daily) Join Date: Mar 2015 Location: NC iTrader: (0)	I self insure. Policies 20 years ago used to say not covered if racing. Most now say not covered on a circuit used for racing. __________________ ---2017 White M2 - Zero Option- 6-Speed Manual---
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09-02-2021, 03:09 PM	#12
flybigjet Remove Before Flight 6822 Rep 1,611 Posts Drives: M2C & Boeing's light twin Join Date: Dec 2019 Location: Littleton (Denver), CO iTrader: (1)	..... aaaand, Locton is out. They don't offer any coverage in CO. The funny thing is that in the HPDE paperwork, it says that they've partnered with Locton. I'll have to ask a few questions this weekend. I wonder why CO is on the Black List? R. __________________ Current: M2C, Miata RF-GT, RDX & Element // R1200GS & VRSCF Previous: M3, Focus ZX3-S2, Superchaged Solara, Samurai, Integra, Pinto & RX-4 // VRSCR, R6S, FZ1 & FZ600
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