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 Details slideover on a car's detail page. Open it from the file-icon button next to Log Session in the car header. The Details slideover is the full car editor -- it also shows specifications, the uploaded window sticker status, build-sheet customization, and a list of track insurance partners.
Adding a policy
In the Insurance section of the Details slideover, 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 Details sheet 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.
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.