Track Day Insurance 101: What You Need to Know in Canada
If you’re planning to push your car to its limits on a racetrack in Canada, there’s one essential topic every driver needs to understand: track day insurance. Whether you’re a first-time participant or a seasoned enthusiast, protecting your vehicle while exploring its full performance potential is critical—and too often overlooked.
As the best track day provider in Canada and North America, Infinite Motorsports believes that a well-prepared driver is a confident driver. That’s why we’ve partnered with Acera Insurance to offer drivers access to Track Guard, a customizable insurance solution designed specifically for high-performance driving events.
In this blog, we’ll explain what track day insurance is, why it matters, and how Infinite Motorsports is leading the way in helping Canadian drivers feel more secure on track.
What Is Track Day Insurance?
Track day insurance, sometimes called HPDE insurance (High-Performance Driver Education), is coverage specifically designed to protect your vehicle during a track day event. This is not racing insurance. It applies to controlled, non-competitive driving events, which is exactly what Infinite Motorsports provides.
Why do you need separate coverage? Because standard auto insurance policies in Canada do not cover damage sustained on a closed circuit, even if the event is not timed or competitive. That means if you hit a barrier or have a mechanical failure that leads to damage on track, your regular insurance likely won’t help.
Track day insurance fills that gap—giving you peace of mind while you focus on driving.
What Does Track Guard Cover?
Infinite Motorsports proudly partners with Acera Insurance to offer access to Track Guard, a leading Canadian track day insurance product.
With Track Guard, drivers attending Infinite Motorsports events can:
- Insure their vehicle against physical damage during on-track sessions
- Choose coverage amounts that reflect their car’s true value
- Enjoy peace of mind knowing they are protected while improving their skills
Track Guard policies are available on a per-event basis, giving you the flexibility to cover only the events you attend—no expensive annual racing policy required.
Coverage typically includes:
- Collision damage (even if no other car is involved)
- Off-track excursions (e.g. if you slide into grass or gravel)
- Towing/recovery from the track (if part of the package)
- Optional coverage for modifications or aftermarket parts
Every driver and vehicle is different, and Track Guard allows you to customize a policy that fits your build and budget.
Why Track Day Insurance Matters
There are many reasons drivers choose to purchase track day insurance—especially those driving high-value, modified, or newer performance vehicles.
⚡️ Accidents Happen
Even in safe, well-organized events like those hosted by Infinite Motorsports, track driving is inherently more demanding than street driving. Mistakes happen. Mechanical parts fail. Tires let go. Having insurance in place helps mitigate the financial stress that could follow.
✨ Peace of Mind = Better Driving
When you’re worried about scratching your car or totaling it in a worst-case scenario, you’re not focusing on driving. Track Guard helps drivers build confidence behind the wheel and learn faster.
🚗 You’ve Invested in Your Car
Whether it’s a new GR86, a classic BMW M3, or a Porsche 911 GT3, you’ve invested time and money into your car. Track day insurance ensures that one mistake doesn’t cost you everything.
✅ It Validates the Experience
Being able to insure your day on track shows how far the motorsports community has come. It demonstrates that what Infinite Motorsports offers is serious, respected, and safe.
Who Needs It?
Track day insurance is highly recommended for:
- New drivers worried about potential mistakes
- Owners of sports cars, performance sedans, or modified vehicles
- Participants attending multiple events throughout the year
- Anyone who wants extra security when pushing their car’s limits
Drivers using older, low-value vehicles or designated “track toys” may opt to skip coverage, especially if the car isn’t road registered. But for most participants, especially those new to track driving, insurance is a smart part of your prep.
How to Get Covered with Track Guard
Through Infinite Motorsports’ partnership with Acera Insurance, the process to get covered is straightforward:
- Visit InfiniteMotorsports.ca and navigate to the Track Guard Insurance page.
- Select the event you’re attending.
- Get a personalized quote. Coverage is flexible and based on your car’s market value.
- Purchase online with fast, secure processing.
- Receive your policy documentation by email—bring it with you on event day.
Our team is always happy to walk you through the process or help answer questions prior to any event.
Why Infinite Motorsports Offers Insurance Access
As the best track day provider in Canada and North America, Infinite Motorsports takes our drivers’ confidence and safety seriously. We understand that part of running a professional, innovative track day program means going beyond the basics.
Our partnership with Acera Insurance and Track Guard isn’t an afterthought. It’s part of our DNA.
We provide:
- A direct path to customizable, affordable coverage
- Track-day prep guidance, including insurance options
- A transparent and supportive experience from registration to cooldown
We don’t just host events. We host complete experiences that make every participant feel supported, prepared, and valued.
What Sets Infinite Apart
Our insurance support is one of many reasons Infinite Motorsports continues to raise the bar.
We are:
- The best track day provider in North America for inclusive, high-quality driving experiences
- Known for hosting track day road trips at top-tier circuits like Circuit Mont-Tremblant, Watkins Glen, Silverstone in the UK and now the Nürburgring and Spa! More tracks added each year.
- An innovative track day provider that thinks beyond the pavement: from coaching and concierge support to merch and sim leagues
- Focused on safety, community, and accessibility for all drivers
Track Guard is just one more tool we use to give our drivers an unmatched experience.
Final Thoughts: Drive Smart, Drive Confident
High-performance driving is one of the most rewarding things you can do with your car. But preparation is key. Alongside a good helmet, proper tire pressure, and a clean tech inspection, track day insurance is one of the smartest investments you can make.
Thanks to our partnership with Acera Insurance, Infinite Motorsports drivers can access Track Guard and get the coverage they need—without the confusion, hassle, or unnecessary costs.
If you’re looking for a professional, welcoming, and safety-forward track day provider, Infinite Motorsports is your home.
Whether you’re joining us at Mosport, Mont-Tremblant, or another one of our stunning road trip destinations, we’re here to support you every step of the way.
Because being the best means protecting what matters.
Ready to Get Covered?
Visit infinitemotorsports.ca to view upcoming events and secure your Track Guard coverage through Acera Insurance today.
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