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.

State Specific Guidelines

• Florida: 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.
• Kansas: 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.
• New York: 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.
• North Carolina: 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.
• Texas: 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.
• Virginia: 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.

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

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