How do you deal with not being insured at the track?

[LA]

Just curious as to how people are dealing with this.  I'd love to get a cheap track bike that I don't care about, but also want to wring out my new rocket every now and then without worrying too much about it.

Maybe I'm just too old, but I can't believe anybody thinks you, the rhetorical you, thinks they should be "covered" by insurance when they take their bike out onto a racetrack (wring out my new rocket)?

The dope you're on must be better than the stuff I'm gettin.

LA

[Kopfjager]

Just curious as to how people are dealing with this.  I'd love to get a cheap track bike that I don't care about, but also want to wring out my new rocket every now and then without worrying too much about it.

Maybe I'm just too old, but I can't believe anybody thinks you, the rhetorical you, thinks they should be "covered" by insurance when they take their bike out onto a racetrack (wring out my new rocket)?

The dope you're on must be better than the stuff I'm gettin.

LA

[DoubleEagle]

I haven't read the whole thread but how about the damage you may do to your body ?

I don't know if any kind of insurance will pay for your broken body if you are engaged in track racing or whatever you want to call it.

Dolph     

[Triple J]

I haven't read the whole thread but how about the damage you may do to your body ?

I don't know if any kind of insurance will pay for your broken body if you are engaged in track racing or whatever you want to call it.

Dolph    

Your standard health insurance should cover you regardless. There are plenty of dangerous activities that people engage in outside of moto track days...and they're always covered.

If they'll cover you riding a motorcycle on the street, then they will during a track day. Just like if you go skydiving, wakeboarding, dirt biking, snowboarding, mountain biking, rock climbing, etc.

[DoubleEagle]

Your standard health insurance should cover you regardless. There are plenty of dangerous activities that people engage in outside of moto track days...and they're always covered.

If they'll cover you riding a motorcycle on the street, then they will during a track day. Just like if you go skydiving, wakeboarding, dirt biking, snowboarding, mountain biking, rock climbing, etc.

Yea, I guess it makes sense . If you were drag racing on the street and crashed , if the insurance Co. could prove it I'm not so sure they would cover you since you are engaged in an illegal activity.

Dolph     

[Monsterlover]

I crashed a bike on the track once.

Well, twice, but it was two different bikes.  The one in question I was able to keep riding, rode the rest of the year and then turned it in to my insurance the following January.  The crash happened in may.

I intended to answer all the questions truthfully but wouldn't add in any more detail than what they were asking.

I rode the line on that one.  I was able to get the bike covered and I didn't lie to do it.

That being said- I own a track bike now that I can afford to throw down the track.  My street bike (that I will be paying on for a couple more years) will stay on the street.

[mdriver]

I rode the line on that one.  I was able to get the bike covered and I didn't lie to do it.

Did your insurance policy cover damages incurred at a track?
Did you tell them you damaged the bike while riding on the track?

If you answered no to both of those then you were lying. And not just to your insurance co.

[Statler]

why don't people read their insurance policies and write in extras you want with your agent?   My insurance (same company for everything) covers bike at race track if it is not a competitve event, and my sailboat no matter (including competitive events).    It truly isn't that difficult to have covered what you want covered, and to write specifics that can be approved by your company.   I had to wait to get approval for how I wrote things, but now we're all on the same page if I decide to make a claim for my bike from a track day.

So yes, I would assume my bike was covered at a track day because it is specifically written into my policy to do so.

If I get a cheap trackbike I likely won't bother to have it covered for anything but theft...but it's nice to have the streetbike covered.

to be honest, not knowing exactly what you are paying for sounds very similar to me to the guys who complain after dropping off their Duc at a dealership for service and have no idea how much they will owe when it's done because they didn't sign anything with specifics with them.

[DoubleEagle]

why don't people read their insurance policies and write in extras you want with your agent?   My insurance (same company for everything) covers bike at race track if it is not a competitve event, and my sailboat no matter (including competitive events).    It truly isn't that difficult to have covered what you want covered, and to write specifics that can be approved by your company.   I had to wait to get approval for how I wrote things, but now we're all on the same page if I decide to make a claim for my bike from a track day.

So yes, I would assume my bike was covered at a track day because it is specifically written into my policy to do so.

If I get a cheap trackbike I likely won't bother to have it covered for anything but theft...but it's nice to have the streetbike covered.

to be honest, not knowing exactly what you are paying for sounds very similar to me to the guys who complain after dropping off their Duc at a dealership for service and have no idea how much they will owe when it's done because they didn't sign anything with specifics with them.

C, what do you think about insurance covering your bike and bodily injury while engaged in drag racing on the street if the insurance Co. has reason to believe and can prove by way of a ticket from the police that you were cited for racing ? Hypothetical

Dolph       

[LA]

Statler,

Of course it's crass to ask, but how the **** much does that cost - to be covered on the street and on the track?  When I purchased the only non-European bike I ever purchased, at the age of 32, regular comprehensive coverage for the bike (84-VFR1000F $4200) was more for four years than the cost of the bike. Consequently, I bought only liability coverage and took the chance. Good choice as it turns out.

If I were writing the coverage, the price would be astronomically high, especially if you were under some threshold age - actuaries and so on.

If I couldn't take the loss out of pocket, I'd probably not put er on the track. 

An aside: I swore to buy the first bike that would exceed 150 mph in stock trim no matter who made it - Honda won.  Rode that thing to work west of Phoenix at just over 150 daily for a while.

LA

[Kopfjager]

You can get a quote from Progressive online. There is a track/racing use option.

[Monsterlover]

Did your insurance policy cover damages incurred at a track?
Did you tell them you damaged the bike while riding on the track?

If you answered no to both of those then you were lying. And not just to your insurance co.

Ill answer no to only one of them.  I actually looked up the definition of "lie" and I used it properly.

Yes to question one.

No to question two.  They didn't ask if i was on a track.

"Where were you when the accident happened?"

Me - "Canada"

"What happened?"

Me- I lost the front in some gravel.

"Ok, we'll send out a claim van to take some pictures.  Glad you're ok."

If they would have specifically asked if i was on a track or racing I would have told them yes.

They didn't ask.

I didn't make a point of telling.

[LA]

We are unable to provide you with a rate due to the current use of your vehicle.

Just for grins I went to the Progressive Motorcycle insurance page and that's the answer I got for my motorcycle. 

I had to list my VIN number and model S4RS and checked the track option. 

Maybe they just think it's not a good track bike.

LA

[Cider]

I just take my chances at the track.  I'm not even sure if I'd bother to file a claim for a street incident either.  With the way they jack rates up, it's not much different than taking out a loan to pay for damages.

[DoubleEagle]

I want to know if you are injured speeding or drag racing and cited on the street if your insurance will pay for your injuries ?

Dolph