Moto GP Racer
Join Date: Apr 2007
Location: Huntington Beach, CA
Thanked 434 Times in 382 Posts
Feedback Score: 9 reviews
A lot of, uh, interesting statements in this thread. Fair warning, insurance investigators are not stupid and have voided claims after internet searches.
Speak directly with your agent, or the agent handling your policy. They are sometimes vague on this, and if you don't have it IN WRITING and iron clad, there's lots of ways for them to not cover you. For the most part, I've heard coverage for track days (NOT racing, NOT a timed event) is extremely rare and is the exception, not the rule.
My agent told me I was covered, but the subtext was that this was not SOP - agents have some amount of leeway with rates, coverage, etc. which is why you want to speak with your agent about this. If you rely on fine print from insurance docs you're gonna get burnt when you go to them with your hands out.
Also note, if you crash, it would be covered under Collision - as your fault - and your premium increases could effectively void any payout you get, making coverage more like a loan (you may even lose money in the long run.)
My track bike I just have comprehensive/theft on. I also have it registered as 'Non-Op', which, believe it or not, makes it illegal for me to transport it over public roads.