For many car enthusiasts, owning a high-performance car is a dream come true. These vehicles are investments that require a lot of care and attention. They are not just modes of transportation, but prized possessions that bring joy and excitement to their owners. So, it goes without saying that ensuring their safety and protection is of utmost importance.
That is where Hagerty Track Insurance comes in. This specialized insurance is designed to provide coverage and protection for high-performance cars that are driven on tracks. In this article, we will take a closer look at what Hagerty Track Insurance is, how it works, and why you should consider it for your speed machine.
What is Hagerty Track Insurance?
Hagerty Track Insurance is a type of insurance policy that provides coverage for high-performance cars that are driven on tracks. This insurance is specifically designed to cover the risks associated with driving on a track, which are often not covered by standard car insurance policies.
Unlike regular car insurance policies, which provide coverage for accidents that occur on public roads, Hagerty Track Insurance is tailored to cover accidents that occur on closed courses. This includes coverage for damage to your vehicle, liability coverage, and medical expenses for drivers and passengers.
What Does Hagerty Track Insurance Cover?
What is Covered? |
What is NOT Covered? |
Damage to your car caused by a collision |
Damage to your car caused by wear and tear |
Damage to your car caused by fire |
Intentional damage to your car |
Liability coverage for damage to another person’s car or property |
Racing or other competitive events |
Medical expenses for you and your passengers |
Driving on public roads |
How Does Hagerty Track Insurance Work?
Before you can purchase Hagerty Track Insurance, you must first become a member of Hagerty Drivers Club. This club provides members with access to a range of benefits, including discounts on insurance, events, and gear.
Once you are a member, you can purchase Hagerty Track Insurance as an add-on to your existing Hagerty car insurance policy. This will provide coverage for your car while it is being driven on a track. The cost of the insurance will depend on the make and model of your car, as well as the type of track you plan to drive on.
It is important to note that Hagerty Track Insurance is not available in all states, and coverage may vary depending on where you live. You should check with your insurance agent to see if coverage is available in your area.
Why Choose Hagerty Track Insurance?
If you own a high-performance car and plan to drive it on a track, choosing Hagerty Track Insurance is a smart choice. Here are some of the benefits of this insurance:
Specialized Coverage
Hagerty Track Insurance is designed to provide coverage for the specific risks associated with driving on a track. This means that you can have peace of mind knowing that your car is protected in case of an accident or damage.
Competitive Rates
Hagerty offers competitive rates for its track insurance policies, making it an affordable option for those who want to protect their high-performance cars.
Expertise
Hagerty is a company that specializes in classic and high-performance car insurance. They have been in the business for over 30 years and have a wealth of knowledge and experience in this area. This means that you can trust them to provide you with the best advice and coverage for your car.
FAQ
Q: Do I need Hagerty Track Insurance if I already have car insurance?
A: Yes, you should consider purchasing Hagerty Track Insurance if you plan to drive your high-performance car on a track. Most standard car insurance policies do not cover accidents that occur on closed courses, so it is important to have specialized coverage for this type of driving.
Q: Can I only purchase Hagerty Track Insurance if I am a member of Hagerty Drivers Club?
A: Yes, you must be a member of Hagerty Drivers Club to purchase Hagerty Track Insurance. This club provides members with access to a range of benefits, including discounts on insurance, events, and gear.
Q: Is Hagerty Track Insurance available in all states?
A: No, Hagerty Track Insurance is not available in all states. You should check with your insurance agent to see if coverage is available in your area.
Q: How much does Hagerty Track Insurance cost?
A: The cost of Hagerty Track Insurance will depend on the make and model of your car, as well as the type of track you plan to drive on. You should contact a Hagerty insurance agent for a quote based on your specific situation.
Q: What types of tracks are covered by Hagerty Track Insurance?
A: Hagerty Track Insurance provides coverage for most types of closed courses, including road courses, oval tracks, and drag strips. However, coverage may vary depending on the type of track and where it is located.
In conclusion, owning a high-performance car is a dream come true for many car enthusiasts. However, driving on a track can be risky and it is important to have specialized insurance to protect your investment. Hagerty Track Insurance provides coverage and protection for high-performance cars that are driven on tracks. With its specialized coverage, competitive rates, and expertise in the area of classic and high-performance car insurance, Hagerty is a smart choice for anyone who wants to protect their speed machine.
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