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    Disclosures

    Important information about TrackDayCompare.

    Important Disclosure

    TrackDayCompare is an independent comparison site for HPDE (non-competitive) track-day insurance. Coverage availability, pricing, and terms vary by state, provider, vehicle, driver, and event organizer. Information on this site is educational and presented as examples only. TrackDayCompare may earn a commission if you purchase through our links. Always review the provider's policy documents before buying. We do not provide legal or financial advice.

    Affiliate Relationships

    TrackDayCompare may earn a commission when you purchase insurance through links on our website. These affiliate relationships help us maintain and improve our service at no additional cost to you. Our comparisons and recommendations are independent and not influenced by commission structures. As an Amazon Associate, TrackDayCompare earns from qualifying purchases made through gear links.

    No Guaranteed Pricing

    All pricing information, coverage examples, and premium estimates on TrackDayCompare are provided for educational and illustrative purposes only. Actual insurance premiums, coverage terms, deductibles, and availability vary significantly based on numerous factors including:

    • State of residence and event location
    • Insurance provider underwriting criteria
    • Vehicle make, model, year, and modifications
    • Driver age, experience level, and driving record
    • Event organizer and track venue
    • Coverage limits and deductible selections
    • Market conditions and provider availability

    Not Insurance Provider

    TrackDayCompare is a comparison and information website. We do not provide insurance, underwrite policies, or process claims. All insurance products are provided by licensed insurance companies. You will contract directly with the insurance provider you select.

    TrackDayCompare is not a licensed insurance producer, agent, or broker. We do not sell, solicit, or negotiate insurance. We provide educational comparisons; all quoting, sales, and policy servicing are performed by the licensed providers themselves.

    No Affiliation or Endorsement

    Providers named on this site (including Lockton, OpenTrack, OnTrack, Hagerty, RLI, and XINSURANCE) have not endorsed, sponsored, or partnered with TrackDayCompare unless explicitly stated. Provider names appear for identification and comparison purposes only, based on publicly available information.

    Educational Information Only

    Information on TrackDayCompare is educational and intended to help you understand track-day insurance options. It does not constitute legal advice, financial advice, or professional insurance consultation. Always review complete policy documents and consult with qualified professionals for your specific situation.

    Coverage Exclusions

    Track-day insurance policies typically exclude coverage for timed events, racing, time trials, competitive events, normal wear and tear, mechanical failures, and pre-existing damage. Specific exclusions vary by provider and policy. Always review exclusions carefully before purchasing.

    State Availability

    Provider availability varies by state. Some providers may not be licensed or available in all states. Coverage terms and pricing may differ significantly between states due to local regulations.

    Data Accuracy

    While we strive to maintain accurate and up-to-date information, provider terms, pricing, and availability can change without notice. TrackDayCompare is not responsible for discrepancies between information on our site and current provider offerings. Always verify details directly with insurance providers.

    Last Updated

    These disclosures were last updated in September 2026.