What Is HPDE Insurance? | HPDE and Track Day Insurance Education

HPDE insurance provides comprehensive protection through its array of coverage types. These include physical damage to your car, liability for injuries or damages to others, and coverage for time trials.

Let’s delve deeper into each of these coverage types.

Physical Damage Coverage

Most HPDE insurance policies primarily focus on Physical Damage Coverage. It protects against damages to your car during an event, including those sustained during participation in HPDE, track day, or time trial events.

If you crash your car at a track day or an HPDE event, this type of coverage will protect it. This coverage is specifically tailored for high-performance driving events. Providers like RLI offer single-event policies that deliver this protection.

In essence, physical damage coverage shields your vehicle from the unexpected. It ensures that you can enjoy the exhilaration of high-speed driving without the worry of potential financial impact.

Liability Insurance Coverage

Liability Insurance Coverage under HPDE insurance protects against bodily injury and property damage inflicted on others. It provides financial protection if you harm someone else during an event.

This coverage protects you financially against claims if you injure someone or damage their property during an event. Track insurance can even cover damage to the track property itself.

While liability coverage is not commonly included in most policies, when available, it offers an extra layer of protection, safeguarding you against potential claims and lawsuits.

Time Trial Coverage

Time Trial Coverage specifically safeguards during time trials and competitive events. These high-stakes scenarios often involve pushing your vehicle to its limits, increasing the risk of damage.

Time trials can be covered under HPDE insurance policies, but coverage must be specifically selected when purchasing. This ensures your car, even when racing against the clock, is covered just like street cars with proper insurance.

Time trial coverage is particularly crucial for competitive drivers, as it provides peace of mind during these intense events, allowing you to focus on your performance rather than potential damages.

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