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Track day insurance

coachz

Member
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!
 
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.
 
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.
 
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!
 
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!
 
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
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.

Nice stories Bro,...

However, the point of this whole thread was a question of whether others could get TRACK DAY insurance and has nothing to do with insuring you or your machines riding on the streets. Lucky to get any kind of insurance at all? Most states in the USA (and I assume many other countries) require riders to carry insurance. This also goes for those who owe money on a bike as well. No different than other motor vehicles. Most insurance companies however exclude damages to bikes or other vehicles wreaked on a road circuit (track) unless for instruction purposes. Racing prohibited.
 
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.

.

I'm surprised they let you ride in jeans.
BMW gave us a free CLASS course when we bought our K75S bikes in 1991 and full leathers were required.
BTW I checked with our insurance company before taking the course and we were covered since it was not a race.
 
Lucky

We are lucky because some insurance executive or government official or other dweeb has not said, let us outlaw motorcycles, they are too dangerous. Oh, excuse me they have said that.

This insurance discrimination has been going on for years, the biggest ugliness was the Horse power ban in the 80's.

We are not protected under any constitutional right to ride motorcycles or drive cars. IF the wrong people get elected or become insurance big shots, we could be out of business.

Face it, it IS a potentially dangerous HOBBY, there is a great risk of loss of limb and death. The money resulting from loss of limb and death comes out of first the big shot insurance companies then of course out of our pockets. I am very aware insurance companies DO NOT like paying claims. No matter how friendly your agent or what the TV commercials say, insurance companies are NOT our friends.

They will make their coverage decisions based on profit and share return to their investors. They will also listen to their customers, and I am sorry we as motorcyclists are a minority. When Joe cage driver's insurance goes up, he gets mad and if he can, he changes companies. IF Joe cage driver hears his premiums may go up because of motorcycle accident pay outs, you can bet, he will be unhappy.

So far the AMA and other groups have helped keep us on the road. That is not a given. St.
 
Also

Regarding the start of this thread, I Understand very well it started as a thread about getting Track day insurance.

I am not subtle in this case trying to drive home my point, WE ARE LUCKY TO GET ANY Coverage let alone track day.

OKAY, maybe I have to make myself a bit clearer.

Perhaps, I made a mistake here about what was to be covered, body or machine? Regardless, I will hammer it again, we are lucky to get any kind of coverage!

For those of you who question my comments on getting insurance I can only say, I have never had a problem getting coverage for damage to my MOTORCYCLES for on the road, it damage to ME or my passenger, that I am talking about. If you are lucky enough to have company medical insurance, medicare or some form of private medical insurance now, good for you! So do I for now, thank God.

Maybe where you live, you can have a Personal injury policy written, if so, I have not heard of it. I don't keep up with the insurance company's policies from state to state. I doubt however, any company writes one in any state. I would be happy to know where one can get PIP coverage, what company writes a PIP policy for a motorcycle.

I will go with the comment made in an earlier reply, don't take something on the track you need to worry about dropping. Same goes for the guys who tear ass like road racers on the street. If you want to ride fast and hard, either pony up the bucks now, or later. Don't raise my insurance rates because of your actions. (Remember what I said in one of my earlier replies about the other insurance customers?) If a company will write you a policy, fine your machine is covered. There used to be a myth Lloyd's of London, would insure anything for the right price.

Thank God every time you get on your bike to ride you have MEDICAL insurance in what ever form you have it in. Don't think for a moment it can go away. As for coverage of the bikes, same goes. I don't think I can make my point much clearer. St.
 
Thanks for the few pointers as to where to search. I'm a little puzzled as to why this is so hard. I've gotten insurance for all manner of silliness. Skydiving, racing boats trans ocean etc. Car track days seem very easy to insure. I'll keep hunting
 
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