Graduate from the Go-Kart

with high-performance Track Day Coverage

BesmileWhitingkit Track Day Insurance

High performance driving is the ultimate balance of risk and control. Tire pressure, check… lug nuts torqued. Plenty of laps left in the brake pads. If it’s not bolted down, you empty it out of the car. Now you’re all systems go to have the time of your life.

Our affordable Track Day insurance program powered by RLI* offers coverage for your vehicle while it’s on the track, unlike your standard insurance plan. Because despite your careful planning, there’s nothing predictable about the motorsports game. A patch of fresh oil from the car up ahead. A blown tire as you hit Turn 3’s apex. Brake failure at the end of the back straight. While you can’t always steer clear of these obstacles, you can stay ahead of them with proper coverage from the get-go.

Take advantage of BesmileWhitingkit’s single-event Track Day Insurance coverage, created for both motorsports enthusiasts and weekend racers looking to refine your skills.

With BesmileWhitingkit’s track day insurance, you can keep your focus where it belongs – on driving.

What we protect:

  • Your personal vehicle against damage while participating in an HPDE event
  • Your car while on the track and in the paddock
  • Physical damage to your vehicle incurred by you, one additional driver (if pre-approved), and your driving instructor.
  • Note: Liability insurance coverage is not included.

Program Features

Specialty Coverage

BesmileWhitingkit Track Day Insurance powered by RLI provides single-event HPDE coverage that’s designed to protect your car from physical damage, both on the track and in the paddock, when you participate in HPDE events.

Time Trial Coverage Available

Coverage for competitive and non-competitive time trials is available, simply select either option when completing your quote or purchasing a policy.

Supplemental Coverages Included

  • Towing and Storage
  • Rental Car Reimbursement
  • Pollutant Cleanup and Removal

Agreed Value Coverage

With an Agreed Value policy, you determine your car’s value. In the event of a covered total loss, you will receive the full agreed value that the car is insured for on your policy.**

Customize Your Coverage

Add and cover vehicle modifications such as custom paint jobs or body kits. Coverage is also available for time trials.


High quality track day insurance at the lowest price possible.

Knowledgeable Claims Handling

Claims handled by knowledgeable, responsive experts who know cars and understand HPDE insurance.

Our Underwriter

Policies are underwritten by RLI Track Day, a specialty insurer providing insurance solutions to high performance driving enthusiasts for nearly a decade. RLI is rated (A+) Superior by A.M. Best, a leading financial strength rating organization.

Other Valuable Benefits

Towing and storage if your car is disabled, rental car reimbursement, and the cleanup and removal of pollutants caused by your vehicle.