People who track their street cars/HPDE come in here

That's new, isn't it?  I thought the HPDE loophole was the reason that some HPDE groups were so adamantly opposed to doing lap timing or even having a data recorder in the car.  If there is no timing, then it is not a "timed competition event", and so was just a drive on the parkway.

I bet that took 15 minutes or less.

I used these guys when I took my daily driver for a track day: http://locktonmotorsports.com/product/track-insurance/.  It was $75 to cover an entire 3-day weekend (car valued at $9000 according to KBB).  I don't remember if I even bothered looking at my regular policy to see if would be covered.

I remember asking around about this question in 2000 when I first did an HPDE, and most responses I heard were "check your policy, but it's probably not covered," so I don't think it's that new.

Every year when I renew my policy I call AAA, who I had a policy with for many years, to see if they'd cover me at track days, saying that I'd be willing to pay a little more, etc. They seemed confused and weren't able to comment on this, for several years running, then tried to convince me that paying more than I am already paying for a basic policy is better because they used local adjusters, or something. They couldn't tell me why having local adjusters was better. In return I told them that not covering track days was short-sighted, that as an instructor for novices for years I had seem many people completely change their attitudes about speeding and driving in general, and how after only one day at they track they suddenly realized how dangerous it was on the public highways, where skills were minimal and people were barely paying attention to what they were doing. I'm thinking track days would be good investment for insurance companies.

I had our mercedes tagged and insured (providing required photos, for classic tags and a limited use policy, which had been taken prior to its glorious transformation into a "racecar").  The local paper did a write up on our team, including pictures.  I immediately got a call from my insurance agent telling me that her company was not in the business of insuring race cars and that technically she was supposed to cancel ALL of my auto policies because now she knows about the racing.  She didn't cancel anything but only because I agreed to cancel the Mercedes policy.  I would never expect damage ON (not "at") a track to be covered, but I really would like to keep the cars street legal for ease of moving them around and testing.  Tread lightly.

While all us sensible people agree to that, theres way too many bad apples that would screw that up (like the guy I mentioned).   If theres one thing I learned working in insurance, they don't trust people to be honest, and sadly with good reason because most people feel because they spent money on a product  they have all the rights in the world despite what they agreed to.  If you want to lose faith in the human race, work for an insurance company, you'll see it on both sides.

I carry liability only on my crapcans since I usually  paid less than the deductible as a purchase price anyway. So, If I wreck my own stuff I'll fix it myself or replace it at my cost. My liability coverage is for anybody else I might hit. None of the race cars we have are tagged anyhow. I'm thinkin the Marlin is a bit much for the cops to let slide. I have drifted it around the neighborhood a couple times which is hella fun but was always scared the cops would come knockin later....