1320 Drag Racing Insurance: Street Legal Strip Cars and Coverage

1320 drag racing — named for the 1,320 feet (quarter mile) distance — encompasses everything from Friday night test-and-tune with your daily driver to serious bracket and street-class competition with purpose-built machines. For the large number of racers who drive their car to the strip, race it, and drive home, the insurance structure is straightforward but must be correctly set up to avoid gaps.

The Two-Policy Structure for Street/Strip Cars

Any car that is both driven on public roads and raced at the strip needs two separate insurance products that work together:

1. Road policy: Specialist modified car insurance covering all road use, including transit to and from events. Must declare all modifications and acknowledge strip use.
2. Strip policy: Motorsport insurance covering the car during competition passes, staging, and paddock time at drag events. Daily or annual options available.

The road policy is void at the strip; the strip policy is void on public roads. Together, they provide complete coverage with no gaps.

What Each Policy Covers

Cost of the Two-Policy Structure

For a typical street/strip build worth $30,000–$60,000 total:

• Specialist road policy: $1,200–$2,500/year
• Annual strip policy: $500–$1,000/year
• Total: $1,700–$3,500/year

This compares favourably to the alternative of having a single inadequate policy that doesn’t cover either road or strip use properly.

Agreed Value Across Both Policies

Both policies should reflect the same agreed value for the car — the total build including modifications. If the road policy has an agreed value of $50,000 but the strip policy only covers $30,000, you have a gap. Work with a broker who can structure consistent agreed values across both policies.