I discovered something in my car insurance policy that I found surprising. HPDE events were not excluded under the policy. No timed events (this excludes auto-cross) would be covered. However, officially sanctioned HPDE events (NASA / HOD / CHIN, etc.) that involves true corner workers, actual flag enforcement and the availability of "instructor in car" participation are not excluded under my policy.
That said, I still purchase Track Event insurance. It is relatively inexpensive at ~$225 per event (2 day / 3 day / 1 day event - you are covered for the entire event) for ~$37K of insurance with a 10% deductible. The advantage to this insurance is that you can make a claim on this insurance and it is NOT a claim against your normal carrier. It would not affect your rates or record.
Just a little food for thought for some of the track rats out there.
That said, I still purchase Track Event insurance. It is relatively inexpensive at ~$225 per event (2 day / 3 day / 1 day event - you are covered for the entire event) for ~$37K of insurance with a 10% deductible. The advantage to this insurance is that you can make a claim on this insurance and it is NOT a claim against your normal carrier. It would not affect your rates or record.
Just a little food for thought for some of the track rats out there.