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Thread: Track day insurance

  1. #1

    Question Track day insurance

    I'm looking to do a few track days this summer and wanted to get some insurance for these days. My regular insurance policy definitely does NOT cover these days.

    Can anyone point me to resources for track days or even racing insurance. I've been completely striking out with every company I call. Thanks!

  2. #2
    Left Coast Rider
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    Quote Originally Posted by coachz View Post
    I'm looking to do a few track days this summer and wanted to get some insurance for these days. My regular insurance policy definitely does NOT cover these days.

    Can anyone point me to resources for track days or even racing insurance.
    Good luck with that. If there were "racing" insurance then every race team would have it. Now, if your track day is billed as a school to improve your street skills then you may be covered by your standard street insurance. It is where I live.

  3. #3
    Registered User STEVENRANKIN's Avatar
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    Ama

    If you are an AMA member, check with them, they might have something.

    I really can't see any insurance company writing a policy for it. At least not for what I could afford to pay for it. St.

  4. #4
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    I've tracked my P cars and my bikes. Never had ins. The company laughed at me for asking. I assume for some price you could find it. Have fun!
    Marty Hill
    7 GS white

    Ride till you can't

  5. #5
    Registered User stooie's Avatar
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    I've had friends who do many more auto track days than I advise that there are specialty companies, i.e. not Allstate and Geico, who do indeed insure cars for track day (not race) events. These are separate policies for individual events and do not include coverage for general on-road use.

    Not sure about bikes, but I'd keep looking.

    Good luck!
    Bob Stewart
    Salem, OR

    2018 RT

  6. #6
    Try contacting Lockton Motorsports: (866) 582-4957, Monday through Friday, 8am to 6:30pm CST.

    They offer insurance for cars for on-track training events. They might do motorcycles, and if not they may well know who might do it for motorcycles.

    https://locktonmotorsports.com/?utm_...xoCz0cQAvD_BwE
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
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  7. #7
    Fortis Fortuna Adiuvat Omega Man's Avatar
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    You may find asking your insurance company a question about track day insurance something that will haunt you as long as you have that company.
    OM
    "You can do good or you can do well. Sooner or later they make you choose." MI5
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  8. #8
    Quote Originally Posted by Omega Man View Post
    You may find asking your insurance company a question about track day insurance something that will haunt you as long as you have that company.
    OM
    ^^^^^excellent advice^^^^^

  9. #9
    In my personal experience there are two types of "track days" and it may make a big difference insurance wise. There may in fact be at least three types. One type is an on-track riding school such as Reg Pridmore's CLASS, Jason Pridmore's STAR School, and Keith Code's California Superbike School. These are bona fide skills training courses that include both classroom and on-track time.

    At the opposite end of the spectrum, a club or group rents a track, sets down a few basic rules and people go out to go fast and play, with minimal to no supervision or training element.

    These two types are the ones I have personally experienced. Somewhere between the two are more formalized track days with at least some modicum of a training component and some modest supervision.

    What insurance covers is likely to vary between a formal on-track school and a rent-a-track free for all.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  10. #10
    Registered User STEVENRANKIN's Avatar
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    Lets face it

    Let's face it gang, we are lucky to get ANY kind of insurance at all.

    I remember a time and it still may be true that injuries received from a motorcycle accident without a cage driver or someone to pull the money from were not paid for by insurance companies. Personal injury protection on a motorcycle, what is that?

    Maybe I am wrong about just what insurance we are talking about here, personal or machine. I don't know and really don't care, the deck is stacked against us as motorcyclists just riding on the street in normal fashion. St.

  11. #11
    Registered User k12lts's Avatar
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    Here is the exclusion in a Progressive motorcycle policy;

    to any vehicle resulting from, or sustained during practice or preparation for:
    a. any pre-arranged or organized:
    (i) racing;
    (ii) stunting;
    (iii) speed or demolition contest or activity; or
    b. any riding activity conducted on a permanent or temporary racetrack, racecourse, or during any closed course event.
    This exclusion does not apply to use of a motorcycle for escorting participants in charitable racing events

    Section b sounds like any riding on a closed course, including training classes, would be excluded.
    2015 R1200RT, 2011 Ural Patrol, 1981 R100, 1975 R90S

    BMW MOA 37304

  12. #12
    Registered User mlytle's Avatar
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    track day insurance is provided by......your bank account.

    never bring anything to a track (car or bike) that you can't walk away from without crying when it is balled up in turn 1.

    that said, incidents at track training events are rare. just have fun and don't do anything stupid. tracks are MUCH SAFER than riding on the street. are you going faster? maybe. but...everyone is going in same direction, there are no intersections, no cars, no texting drivers, etc. fun learning environment, not an "everyone is trying to kill me" street environment.
    Marshall
    92 K75s, 94 K75s, 09 K1300s

  13. #13
    Registered User ExGMan's Avatar
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    Quote Originally Posted by mlytle View Post
    track day insurance is provided by......your bank account.

    never bring anything to a track (car or bike) that you can't walk away from without crying when it is balled up in turn 1.

    that said, incidents at track training events are rare. just have fun and don't do anything stupid. tracks are MUCH SAFER than riding on the street. are you going faster? maybe. but...everyone is going in same direction, there are no intersections, no cars, no texting drivers, etc. fun learning environment, not an "everyone is trying to kill me" street environment.
    I certainly agree with that. My one track-day experience (so far) was in 2018. It was a non-sportbike track day in Palmer, MA with Ken Condon as the lead instructor. Rules were specific and enforced. I think one rider might have put some marks on a single panel that day. Otherwise, no damage, no injuries, and mucho learning.
    John Gamel - BMW MOA Consumer Liaison
    2015 Ebony Metallic R1200RT
    MOA #153274
    "We have met the enemy, and he is us." Pogo/via Walt Kelly

  14. #14
    Registered User STEVENRANKIN's Avatar
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    Way back

    Way back in time, BMW was launching the K bikes and I had just gone deer hunting with my 83 R80RT and was in need of a replacement.

    BMW dealers were given invitation to bring a few people who might just be interested in the new K bikes as well as the redone R bikes to give them a chance to ride the bikes on one of the nearby road tracks. I jumped on it.

    When we got there, we of course had to wear required safety equipment and such. I had a good jacket, jeans and helmet, no problem.

    The BMW reps however were decked out in the latest leathers and helmets and stuff. They were a pretty nice bunch with one exception, a prick who seemed to think he was hot stuff.

    So before the start, we were given the rules, ride in your comfort zone, and NO passing in the curves! Other than that have fun. Just what I would expect to have a a day like this. Well, I tried out a K100 naked bike first and had a hoot, no problems with the four or five laps I got to take and the rest of the guys in the group were all having fun. Mr. Prick was strutting around being condescending and joking with his fellow BMW people.

    I got out on the track next on a 85 R80RT, and things were going good until Mr. Prick, blows past me on my left in a curve and goes straight off into a slide into the weeds. I nearly wrecked myself from laughing so hard.

    What has this to do with insurance, not a jot, just a bit of reminder track days and such are safe as long as you follow the rules and aren't a Prick. LOL

    I agree with the comment about not riding a bike you won't feel badly about if you drop it. That never bothers me, it is my medical costs if I drop me that bothers me. So far, I am covered. God Bless I continue to be covered. As I have said, the game is stacked against us motorcyclists. St.

  15. #15
    Left Coast Rider
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    Quote Originally Posted by STEVENRANKIN View Post
    Let's face it gang, we are lucky to get ANY kind of insurance at all.

    I remember a time and it still may be true that injuries received from a motorcycle accident without a cage driver or someone to pull the money from were not paid for by insurance companies. Personal injury protection on a motorcycle, what is that?
    Why are motorcyclists lucky to get any kind of insurance? Perhaps true where you are but certainly not anywhere I've ever lived.

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