After all the lecturing I do, I’m still surprised when a client asks me the question so here’s the answer;  when you are on the track for nearly any type of event, you are on your own.

It should come as no secret that the insurance companies do not want you to speed, whether on the track or on the street, but for years, car clubs have run outings as driver’s education and side stepped the exclusion for timed events.  Now, instead of an exclusion for racing, insurers are refusing to cover damage done at any type of facility that could be used for racing.  That’s not the exact verbiage used in the policy, but you get the point.

If you roll the Cayman, get rear ended in your Gallardo, or run the 430 off the track and incur $50,000 in body work, it’s coming out of your pocket.  YOUR POCKET. 

Consider doing what others are doing:

  • Search the internet for special coverage and understand your coverage and deductibles (I make absolutely no recommendations as to the company you choose)
  • Buy a disposable car-you know, Miata, etc., and go have fun
  • Risk it, drive your car on the track with knowledge that maybe you didn’t have before you read this (and my guess is you will knock a thousand RPM off your straightaways).

Happy motoring,


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About the Author: Dave Miller

Dave Miller With Lotus GT
Dave Miller drives the fastest, coolest, sexiest cars on the planet. He travels the world uncovering the hidden gems in luxury transportation, meeting the owners, and connecting with extraordinary car enthusiasts. Dave is a member of the Midwest Automotive Media Association and writes for various publications. In addition to, you can follow Dave's adventures via Drive With Dave Facebook, Instagram and Twitter and tune into the Drive with Dave Podcast via iTunes, Stitcher or Soundcloud.

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