Insurance: For the track - Kawasaki ZX-10R.net
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post #1 of 36 Old 07-10-2014, 10:30 PM Thread Starter
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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)

State farm
Foremost


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.
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post #2 of 36 Old 07-10-2014, 11:11 PM
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Sadly i think theres no company out there that will work with you.
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post #3 of 36 Old 07-10-2014, 11:23 PM
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Insurance companies don't like insuring track days, as the number of incidents is higher than insuring people on the road!

In the UK they insurance companies go far enough to send undercover agents to the tracks to photograph bikes number plates, just in case! So if you fall off, try to claim a crash on the road, they sue your for fraud!

Rob
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post #4 of 36 Old 07-10-2014, 11:34 PM
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yes, but in Europe they sell actual "Motorcycle Trackday" insurance for
like $50 full coverage for the day or up to like 5 days.

Wish they had something like that in US
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post #5 of 36 Old 07-10-2014, 11:38 PM Thread Starter
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Thankfully the two companies I mentioned will cover Track day crashes. as long as like I stated they are non racing non timed events.

Crazy in the UK they come and photograph your bikes. I thought there were a few companies like MCE / Four counties / Moris all those are UK insurance companies that have track day policies.
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post #6 of 36 Old 07-10-2014, 11:41 PM Thread Starter
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Quote:
Originally Posted by Bottoms-Up View Post
yes, but in Europe they sell actual "Motorcycle Trackday" insurance for
like $50 full coverage for the day or up to like 5 days.

Wish they had something like that in US
I agree that they need something like this. Part of the fun of our sport is doing it safely and I am not willing to push hard on the road. I have more fun at the track because I know I can go slow or fast or whatever and I am not going to hit a guard rail or have a little old lady pull out in front of me. The surface is usually much nicer as well.

I have a hard time believing more percentage claims would come from a track day than street riding
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post #7 of 36 Old 07-10-2014, 11:52 PM
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was just searching around a little...

TrackDay Motorcycle Insurance California

http://einhorninsurance.com/californ...rnia/#comments
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post #8 of 36 Old 07-11-2014, 12:03 AM
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Quote:
Originally Posted by Bottoms-Up View Post
yes, but in Europe they sell actual "Motorcycle Trackday" insurance for
like $50 full coverage for the day or up to like 5 days.

Wish they had something like that in US
I really don't think so no! I used to be an avid track day rider in the UK, and I looked at track day insurance, and it was really expensive. I just decided I would "self insure" the bike... i.e. I stack it, I buy a new second hand bike!

Rob
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post #9 of 36 Old 07-11-2014, 03:53 AM
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Quote:
Originally Posted by Bottoms-Up View Post
was just searching around a little...

TrackDay Motorcycle Insurance California

http://einhorninsurance.com/californ...rnia/#comments
Im gonna have to check into this one.

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post #10 of 36 Old 07-11-2014, 09:35 AM Thread Starter
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is that California only it looks like ?
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