Insurance products

Off-track motorsports insurance

Protect your race car when it's off the track with Limited Trailer and Paddock (LTP) coverage.

Three men pushing a collector race car into a trailer.

Limited Trailer and Paddock (LTP) coverage will protect your race car:

  • In the trailer—while in transit and loading and unloading
  • In the paddock
  • While in storage or at the shop
  • From theft, fire, floods, hurricanes, earthquakes and more
  • Everywhere but on the track or while racing

Full coverage is also available for street legal race cars for driving on the street or enjoying a parade lap or two.

Questions? View frequently asked questions about HPDE coverage.

Benefits of off-track motorsports insurance

Affordable premiums

Costs less per year than a set of racing tires.

Guaranteed value® coverage

We understand how provenance, history and drivers can affect a vehicle's overall value. we'll work with you to determine the true value, and that's what we'll pay in the event of a covered total loss.* guaranteed.

Coverage for how you use your race car

We protect your car in the trailer, in the paddock, in storage—just not when it’s racing on the track. full coverage is available for driving on the street if it’s a street-legal race car, or even for a parade lap or two.

Knowledgeable claims handling

Claims handled by hagerty claims staff—experts in repairing race cars and understanding their unique needs.

Extras formulated for motorsports enthusiasts

We automatically include $750 in spare parts coverage, and we can increase that amount and add tools coverage—at a reasonable rate.

Does your vehicle qualify for off-track motorsports insurance?

We can protect the following vehicles:

  • Vintage race cars
  • Nostalgia dragsters
  • Nostalgia funny cars
  • Pro street
  • Street legal race cars
  • Vintage raced motorcycles
  • Vintage dirt track motorcycles
  • Vintage motocross bikes
  • Modern, high-quality, excellent condition racing vehicles

Coverage may be limited or unavailable for some risks or states.

A driver sitting in a parked white collector race car.
1969 Lola T163 Can Am
A shiny red collector race car driving on a track, with packed audience stands in the background.
1940 Willys Gunslinger
A long blue collector race car parked in front of a building.
1964 Tribute Slingshot Dragster
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* Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid. Guaranteed value includes all taxes and fees unless prohibited by state law.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.

Guaranteed Value is a registered trademark of the Hagerty Group LLC, ©2019 The Hagerty Group, LLC. All Rights Reserved.