Over the past ten years, most auto insurers have revised their policy language to completely exclude coverage for High Performance Driver Education. Unless you have had this discussion with your agent since your last renewal, we recommend you review your current policy and contact your agent to be sure your policy hasn’t changed.
If the event you purchased coverage for is cancelled or you are unable to attend, we can refund your premium (minus administration fees). To start the refund process, request a signed statement from the event organizer and contact Lockton Motorsports once you have received it. We’ll handle the refund from there.
Lockton offers four Multi-Event Policy options: 6 events, 9 events, 12 events or 15 events. The policy expires when all events have been used or when the annual term has expired, whichever comes first.
Unused events will not be carried over to a future policy. When you purchase the policy, you are not required to indicate every event you would like coverage for during the policy term. However, you must select the event on our online system prior to the beginning of the event for coverage to apply. Once a selected event has passed, you cannot change or delete the covered event. However, before the event has started you may change your covered events at anytime.
This insurance policy provides physical damage coverage for your vehicle while it is being stored or transported. It does not cover your vehicle while it is on a racing surface or operating under its own power with one exception: the policy DOES provide coverage while loading or unloading from a trailer or storage building. Coverage applies everywhere for all the property, except the competition vehicle. Liability/Third Party coverage is not included in this policy.
Competition Vehicles: 2% ($500 minimum; $2,000 Maximum)
Trailers: 2% ($500 minimum; $2,000 Maximum)
With our program, the value of your classic car is determined at the time you purchase your policy. So, if your vehicle suffers a covered total loss, you won't have to worry about haggling over the value of your vehicle.
We accept MasterCard, Visa, and Discover, or a bank draft. Please review the application for payment options.
You will receive a full refund if your policy is cancelled within two (2) business days of being purchased. Policies cancelled after two days will be refunded on a pro-rata basis.
* Please be aware there is a $40 administration fee charged on all cancellations
Our HPDE policy utilizes a percentage deductible that is applied to the Agreed Value you select, not the percentage of repairs. As an example, if you select a 10% deductible for a vehicle valued at $50,000, the deductible would be $5,000.
Note, deductible percentages are subject to minimum and maximum values which are as follows:
$2,000 min/$6,000 max for cars valued less than $100,000
flat $10,000 for cars valued more than $100,000
$3,500 min/$9,000 max for cars valued less than $100,000
flat $15,000 for cars valued more than $100,000
Yes, you are allowed to list one driver in addition to yourself at no charge. For coverage to apply, you must list their name during the application process. The policy only covers two drivers for the event. Coverage for more than two drivers at an HPDE is not available at this time.
Yes, this policy provides coverage while an HPDE Instructor is driving your vehicle.
This insurance is for structured High Performance Driver’s Education events. If the event you are attending provides instructors, classroom sessions for participants, and approved passing zones, please ask the event organizer to contact us. If they meet our required guidelines, we will make coverage available for the event.
Yes. Your vehicle, trailer, and equipment are covered under Off-Track Insurance up to the limits of their respective categories.
This coverage is for competition vehicles only (under Off-Track Insurance). Vehicles licensed for street use are not eligible except under out Autocross Insurance Policy. Autocross covers both street and non-street legal vehicles.
The competition vehicle is covered everywhere, except when it is on a racing surface or operating under its own power. However, your vehicle IS covered under its own power when you are unloading it and loading it from a trailer.
Spare parts, tools, and equipment under $1,000 do not need to be scheduled. Items over $1,000 and pit bikes/scooters/mopeds/carts must be scheduled regardless of value.
Oval (paved and dirt), road-course, and drag strips are all eligible for this insurance program. Unfortunately, we do not offer coverage to sand drag strips and motocross facilities at this time.
Yes. We offer coverage to organizations ranging from small organizers doing 3 motorsport events a year - to national clubs that organize thousands of events throughout the country each year.