Your Garage
Insurance
Keep every car's insurance coverage organized alongside the rest of its records. Track road policies, dedicated track-day coverage, or combined policies -- and get a heads-up before anything lapses in the middle of an event weekend.
Insurance lives inside the Profile & sharing drawer on a car's detail page. Open it from the Sharing button at the top of the car's Build sheet (Edit car in the car hero's "..." menu opens the Build sheet). The drawer also holds which modifications appear on your public profile, what visitors can see, the public page's privacy setting, and a list of track insurance partners.
Adding a policy
In the Insurance section of the Profile & sharing drawer, click Add policy to open the form.
Policy fields
| Field | Description |
|---|---|
| Provider | Insurance company name (e.g., State Farm, Lockton Motorsports) -- required |
| Coverage Type | Road, Track, Road & Track, or Other -- drives the badge color on the policy card |
| Policy Number | Optional reference number from your insurer |
| Coverage Limits | Free-text description (e.g., "100/300/100") |
| Annual Premium | Optional dollar amount -- 0 is preserved for comped or complimentary policies |
| Deductible | Optional dollar amount -- 0 is a valid value |
| Start Date | First day the policy is active |
| End Date | Last day the policy is active -- drives the expiry badges below |
| Notes | Anything else you want to remember about the policy |
Only the provider name is required. Everything else is optional -- fill in whatever you have on hand.
Zero is a valid value
If your policy has a $0 deductible, type 0 rather than leaving the field blank. Empty means "not recorded"; zero means "zero dollars."
Coverage types
Each policy carries a color-coded badge so you can see at a glance which coverage applies:
| Type | Badge | When to use |
|---|---|---|
| Road | Blue | Standard street or daily-driver insurance |
| Track | Amber | Track-day or on-track event coverage |
| Road & Track | Purple | Combined policy covering both contexts |
| Other | Neutral | Storage, transport, specialty, or any other category |
Expiry badges
TrackOut watches the policy end date and surfaces a status badge on the policy card so you know when to renew:
| Badge | When it shows |
|---|---|
| Expired | The end date has already passed |
| Expiring Soon | The policy ends within the next 30 days |
Policies without an end date -- or ones with more than 30 days remaining -- don't get a badge.
Check before events
Standard auto policies often exclude on-track use. Before you sign up for an HPDE or track day, verify coverage with your provider -- or add a dedicated track policy (see below).
Editing and deleting
Each policy card has two actions on the right:
- Pencil icon opens the policy in the edit form, pre-filled with the current values.
- Trash icon deletes the policy after a confirmation dialog.
Find track insurance
Standard auto insurance typically excludes on-track use. The Find Track Insurance section at the bottom of the Profile & sharing drawer links to providers that specialize in HPDE, track-day, and collector-car coverage:
| Provider | Focus |
|---|---|
| Lockton Motorsports | Specialized track day and racing insurance |
| Hagerty | Classic and collector car coverage with track day options |
| OpenTrack Insurance | On-track coverage for HPDE and time trials |
Clicking a provider opens their site in a new tab. These are referral links -- using them helps support TrackOut at no extra cost to you.
For a deeper look at what your current coverage does and doesn't include, Deep Research has an Insurance & Coverage category that reads the policies saved here alongside your mods and track-day history.
Tips
- Record road and track policies separately. The coverage-type badges make it easy to tell at a glance which policy covers which context.
- Fill in the end date. Without it, you won't get the "Expired" or "Expiring Soon" flags -- even an estimated renewal date is better than nothing.
- Use the notes field. Record context like "Covers autocross events" or "Excludes timed events" so you don't have to dig through policy documents later.