Trackday Insurance

[Airborne]

I asked the insurance company if the Duc is covered at the track. They told me no. So if I total it there I'm paying out of my pocket? Thats the game?

Looks like I need to buy a track bike and get another job.

[darylbowden]

Does your job cover your motorcycle insurance?  I'm a little confused on that one.

Anyhow, some policies cover accidents at the track as long as they're not part of a timed event.  You would have to look at the details of your particular policy.  Often times agents aren't aware of the difference between trackdays and racing, so don't always take their answers as gospel.

If your policy doesn't cover it, get new ins, plenty of them do cover it.  Anyhow, buying a track bike is ALWAYS the right answer and will save you $$ and heartache in the long run over using your street bike.

[gm2]

not to mention the fact that if you crash your bike, how are they going to know where it happened?

that said, my track bike only has theft coverage...

[Spidey]

Anyhow, buying a track bike is ALWAYS the right answer and will save you $$ and heartache in the long run over using your street bike.

+11tyb.  It's just a matter of spending less $ now or more $ later.  Between your increase in rates if you bin your monster at the track claim or and/or the cost of repairing your monster on your own, better to buy a disposable trackbike.  At this time of year, as race season winds down, competent well-sorted track bikes can be had for fairly cheap. 

and +1 to checking the specific terms of your policy.  I betcha the exception to coverage is for timed events.

[Airborne]

Does your job cover your motorcycle insurance?  I'm a little confused on that one.

I'm meant to afford it because I'm a broke college student, but I am graduating this year so I should be coming into some money in the form of a full time job as an engineer.

I guess I'm starting to see what you guys are saying. The agent is Foremost under the foremost/ducati deal. I asked the agent and she said "no racing events" then said but it would be covered if you drove your bike to the track and it was stolen from the parking lot. I don't know if she was implying that they won't know where I crash the thing or just had no clue what I'm talking about. I guess I should have specifically used the word trackday as you pay to use the track not to "race" nessecarily.

I don't plan on dropping the bike obviously but shit happens.

As far as foremost goes I am going to save at least 200 bucks a year on my policy and they are going to drop my deducatable 500 bucks, not bad.

[gm2]

as noted, the key phrase is usually "timed events".

i suppose a trackday session is technically timed.  or there's a time limit. 

..besides, you really don't want to track your monster anyway.  or you won't for long if you start doing them with any regularity.

[darylbowden]

..besides, you really don't want to track your monster anyway.  or you won't for long if you start doing them with any regularity.

yeah, they aren't good track bikes without a lot of work, you're much better off getting a FZR, GSXR, SV, or whatever the hell you can find that's race-prepped.

[Ducatista]

Read the section of what is and is not covered in your policy.  If the term is "racing" that isn't covered, then you are fine, since it is not timed.  If they say no "high performance driving events" or something like that, track days are out, too.  However, if you crash, your rates may go up, they can cancel your policy, or they can also say "you got your shot and never again". 

IMHO, an SV and a Monster need nearly equal amounts of work to make them track ready.  The HUUUUUGE difference is that fully race prepped SVs are more common than the cockroach.  You can get everything from just your barely minimum track tool to full on superbikes.  I don't know much about others suggested, but make sure that if you get an SV that you are getting one that hasn't had more than a supersport built motor.  As soon as you start pushing north of 80 hp and especially over 85 hp, they tend to be grenades.  I would also suggest getting an FI bike (2003+) over carb'd.  The nice thing about track bikes is that you don't need a clean title.  Just make sure it isn't hot.  I know of people who have bought track bikes and then the bike has been seized and the current "owner" has no recourse.

A track tool tends to be relatively cheap to fix.  Plastics can be patched with fiberglass patch kits, body filler, and another coat of Krylon.  The most expensive part that can get tweaked is a fairing stay, and even they are $140 trackside.  (For SVs, the first one you break, just replace it with a GPTech stay and then when that one snaps the ear off, just brace it with a drilled aluminum rod from Home Depot.)  Track bike repairs can be pretty cheap if you can turn a wrench yourself.  Kiss the tank?  No worries.  It ain't a beauty queen!

[tufty]

I asked the insurance company if the Duc is covered at the track. They told me no. So if I total it there I'm paying out of my pocket? Thats the game?

Looks like I need to buy a track bike and get another job.

I just wadded up my 848 at Barber turn 12 , my insurance company is about to write me a huge check with no questions asked.

Remember, it isn't a track day but a rider skills improvement event... 

Seriously though, most insurance companies only draw the line at "timed events" i.e. racing.

[Spidey]

Since we're talking about insurance and you're a starving college student, I thought I'd draw an important distinction.

Bike insurance:  Not really necessary.  May not cover track crashes.
Med insurance:  Absomake the beast with two backsinlutely mandatory.  Don't you dare get on a track without it.


P.S.  Sorry to hear that, Tufty.     That sucks.  I assume you're ok.

[tufty]

P.S.  Sorry to hear that, Tufty.     That sucks.  I assume you're ok.

I'm fine thanks to Hein Gericke...

[Ducatista]

I just wadded up my 848 at Barber turn 12

[threadjack]

Which one do you consider T12?  Everyone disagrees on what the turns are numbered.

[/threadjack]

[tufty]

[threadjack]

Which one do you consider T12?  Everyone disagrees on what the turns are numbered.

[/threadjack]

lol, you've got that straight!! I've never heard so many different numbers for the same turn. By my reckoning turn 12 is the corner before the bridge where the #13 corner station is located, go figure.

[Boog]

lol, you've got that straight!! I've never heard so many different numbers for the same turn. By my reckoning turn 12 is the corner before the bridge where the #13 corner station is located, go figure.

I've only been to Barber once, why is there a question on corner I.D.?
http://www.barbermotorsports.com/trackmaps.php


Sorry for the thread hijack
My insurance agent says my bikes are covered as long as it's not a timed or competitive event.