Off-track motorsports insurance
Protect your client's race car when it's off the track with Limited Trailer and Paddock (LTP) coverage.
Hagerty’s program provides off-track coverage for race cars, dragsters, pro-street, and raced motorcycle
Coverages available (off-track only*)
Full coverage
For street legal race cars, Collision, Other than Collision, and Liability are available, depending on state guidelines.
Specific Guidelines
Full coverage can be offered when vehicle's track use is for High-Performance Driver's Education events, Track Days or Autocross only
Comprehensive and Limited Trailer and Paddock Collision is available if used for other racing or timed events
Specific Guidelines
No coverage restrictions when vehicle's track use is for High-Performance Driver's Education events, Track Days or Autocross only
Additional or Extended PIP will not be offered if used for other racing or timed events
Specific Guidelines
No coverage restrictions when vehicle's track use is for High-Performance Driver's Education events, Track Days or Autocross only
PIP, Uninsured Motorist BI and Uninsured Motorist PD will not be offered if used for other racing or timed events
Specific Guidelines
Full coverage can be offered when vehicle's track use is for High-Performance Driver's Education events, Track Days or Autocross only
Comprehensive and Collision coverage is available if used for other racing or timed events
Limited collision
For purpose-built race cars (non-street legal), Limited Collision coverage is available to protect the car while it is:
- Being loaded or unloaded from the trailer
- In transport by trailer
- On display in the paddock or show area
- In the paddock or being driven to and from
- In storage
- At a service facility
Comprehensive/Other Than Collision
For race cars, we can offer comp-only insurance coverage for losses not resulting from an accident, such as theft, fire, or natural disasters.
*Coverage does not apply when the vehicle is on the track racing.
We can protect the following vehicles:
Race cars
To qualify for our program, race cars must meet the following, in addition to our normal guidelines:
- Minimum value is $3,500
- Applicant and drivers must have 10 years driving experience
Dragsters
To qualify for our program, dragsters must meet the following:
- Minimum value is $3,500
- Vehicle must be in very good or better condition
- Applicant and drivers must have 10 years driving experience
- No professional racing teams
Pro-street
Pro-street cars are generally from the 1960s or ‘70s and have been modified primarily for straight-line speed. Common modifications include roll cages, tubbed rear wheel-wells to accommodate wide racing-type tires, five-point racing harnesses, lightened interiors with racing seats, wheelie casters, parachutes and power adding features to engine. Hagerty considers a vehicle to be pro-street when it is tubbed AND caged. To qualify for our program, pro-street cars must meet the following:
- Vehicle must be street legal in order to provide full coverage
- Minimum value is $15,000
- Vehicle must be in very good or better condition, unless under active restoration
- Applicant and drivers must have 10 years' driving experience
- Named Driver Exclusions or a Youthful Non-Operator Warranty will be applied to any youthful household members licensed less than 10 years
- Vehicles with more than 900 horsepower may qualify for comprehensive/limited trailer and paddock coverage only
Specific Guidelines
Named Driver Exclusion is available in your selected state
Specific Guidelines
Named Driver Exclusion is not available in your selected state
Raced motorcycles
- Any year motorcycle may be considered with Comprehensive/Limited Trailer and Paddock Coverage only
- Motorcycles can be stock or modified
- No professional race teams
- Applicants and/or operators must have at least 10 years’ driving experience
- Minimum value is $2,000. Collections of 3 or more motorcycles—minimum value is $1,000 per bike.
- Dirt track and motocross bikes are acceptable.
- Motorcycle must be street legal in order to consider full coverage. Follow non-raced Motorcycle guidelines as well if pursuing full coverage.
- Requests for full coverage on a street legal, raced motorcycle is an exception and must be supported with a strong profile.
State coverage limitations** include:
- FL: Additional or Extended PIP will not be offered
- KS, NC & NY: Only Comprehensive and Limited Trailer and Paddock Collision is available
- TX: PIP, Uninsured Motorist BI and Uninsured Motorist PD must be rejected
- VA: Only Comprehensive and Collision coverage is available
Insurance services administered by Hagerty Insurance Agency, LLC. Not all coverages are available in every state. This is a general description of coverage. All coverage is subject to policy provisions, exclusions, and endorsements. Hagerty determines final risk acceptance.