I rely on my own insurance out there right or wrong??? Don't know. I have read stories of people who have had track ins & still not being able to claim? I don't have the full story so there might be more to it. As a pure example if i bought track ins from yourself/company for the Ring & i A/ just crashed & hit the barrier needed recovery off the track. Would i be covered? B/ Crashed my fault , hit another car track closed for 1 hour. Both cars recovered track needed to be cleaned oil & stuff. Again would i be covered ?