TrackGuard
by Acera Insurance

TrackGuard provides coverage for vehicles exclusively for track day events. Your standard car insurance policy is there to cover your vehicle usage elsewhere.

Your TrackGuard policy provides property-only coverage and does not include any liability you incur for causing third party bodily injury or property damage.

• If you are a car owner and do not see your event on the list, please reach out to the organizers to complete the event qualification form.
• If you are an organizer interested in TrackGuard for your next event, complete the event qualification form to get started. Once approved, your event will be added to the list.

The policy insures for market value:

• The insurer will determine what the purchase price of the vehicle would have been prior to the incident, and in a total loss, will pay this amount less the deductible previously selected by you.
• If the amount to be paid exceeds the insured limit in a total loss, the insurer will pay the insured limit less your chosen deductible.
• Calculations will be based on the value of the vehicle as a used car and will consider factors such as make, model, age of the vehicle, condition and mileage.

Consumables like tires, oil or linings are not covered nor is damage such as mechanical or electrical breakdown.

TrackGuard does not cover motorcycles but you can purchase an annual policy that will provide coverage for some track day activities.  As long as you are not being timed and you are not racing, you can get coverage for collision and comprehensive damage on the track. If you would like a quote, our motorcycle specialists would be happy to help you. Fill out our online application or call them at 1-888-595-5212.

We have discounts for multi-day events; group policies for dealership, club, or manufacturing events; and policies for those planning multiple events during a driving season. To access these savings, the first step is to ensure your event is approved. Ask your organizer to fill out our event qualification form. Once approved, it will be listed among the available events on our online portal to purchase a policy.

Our policy is not intended to serve as your primary auto policy nor is it intended to cover head-to-head racing on a track. Your policy applies once you begin driving your insured vehicle for your approved event on the day(s) coverage was purchased. Most standard insurance companies have physical damage exclusions such as the following from ICBC: “a vehicle being used in a contest, show or race, or in advanced or performance driver training, if (i) the activity is held or conducted on a track or other location temporarily or permanently closed to all other vehicle traffic, and (ii) there exists an element of race or speed test, which means driving at high speed, and includes passing maneuvers, driving in close proximity to another vehicle or assessing vehicle limitations in speed, acceleration, turning or braking.“ Your primary insurer of choice should be covering you and your vehicle from the parking lot to the paddock.

Yes, if you were driving the insured vehicle on the track at an approved event on the day(s) coverage was purchased, coverage will apply.