Insurance: For the track
Continuing my quest to get back on track September 1st. At miller motorsports park is insurance. I have been riding since I was 16, I am now 26. For all those years I never rode on the street thus never needing a license or insurance just to do track days. After my incident in march, I felt the need to be more prepared for future accidents.
So step one
1. Took the MSF course got my license
2. Bike's title put into my name ( bought it from my dad)
3. Insurance that will cover me at the track
Step three has been a huge PITA.
Insurance companies really are a bit rough. Nobody seems to understand exactly what I am looking for. I usually have to go into some lengthy detail as to what I am going to be doing with the bike. No matter how many times I tell them I will not be racing the motorcycle, that it is a Non racing, non timed event, made for rider training, they cannot comprehend this concept.
So far through my search
two companies will provide coverage for track days. (sate of Arizona coverage)
Full coverage = No tickets, No accidents, perfect credit score on a 2008 zx10R
me being a 26yr old male.
Foremost (owned by Farmers) is 147/mo
State Farm is 167/mo
The reason I went with full coverage is because hey if I want to ride on the street, I can still do that and be 100% covered
the biggest difference in coverage is gear. foremost will only cover 1,500 in protective equipment.
State farm my gear falls under property damage and that is 10k in coverage
Does anyone anywhere have a better option for Track day coverage, I looked all over the net and there really is no company that advertises as track day only coverage. a lot of people talk about ad hoc policies and I couldn't come up with a company that does it for events like track days.