Disclosures

Affiliate Relationships

TrackDayCompare may earn money from providers who pay for clearly labeled Sponsored placement, and from qualifying Amazon purchases made through our gear links. These affiliate relationships help us maintain and improve our service at no additional cost to you. Some providers may pay to be featured on TrackDayCompare. Featured placements are always labeled "Sponsored." Payment never changes our cost estimates, our coverage information, or the order of results from our matching tool. 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. Providers shown in a Sponsored placement have paid for that placement. Sponsorship is not an endorsement of any policy.

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 October 2026.