HPDE stands for High Performance Driver’s Education, which is an event that allows you to take your car out on a track in a safe, controlled environment. Instructors are on hand to teach driving basics, techniques and safety. Advanced participants with enough experience may receive a sign off from an instructor to drive solo.
Most standard auto insurance policies do not cover HPDE events. Auto insurers have started adding specific language excluding “track”, “high performance”, “HPDE-type”, “racing or speed contest events” or while on a “racing surface”. Without HPDE insurance, you might not be covered in the event of an accident or damage to your car.
In the past decade, most auto insurance companies have added exclusions to their policies eliminating coverage of vehicles for HPDE events. We recommend you review your policy and talk to your agent prior to an HPDE event to confirm your coverage.
Our policies cover most vehicles that have VIN numbers.
Hagerty’s HPDE Track Day Insurance Powered by RLI provides physical damage coverage for your car while you are participating in an HPDE event. Your coverage protects your vehicle while on the track or in the paddock. Liability coverage for the driver(s) is not included in this policy.
We only provide HPDE coverage for cars. If you are interested in off track coverage for your motorcycle click here.
Yes, your instructor is automatically included in your policy. An additional driver, such as a friend or relative, can be included if they are listed on the application.
Our policy is designed to cover you during high performance driver’s education events, not competitive events. If your event is not an education event, or it involves competing against other vehicles, this policy is not the right one for you.
While HPDE coverage is only on a per event basis, Hagerty offers off track coverage tailored for race cars and full coverage for street legal vehicles click here.
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