Do you carry insurance for track only bikes? - 600RR.net
Trackdays Privateers and Professionals
Sponsored by: MOTO-D Racing

View Poll Results: Do you carry insurance on a track only bike?
Yes, I carry full coverage insurance 9 28.13%
Yes, I carry only liability insurance 2 6.25%
No, I do not carry insurance 21 65.63%
Voters: 32. You may not vote on this poll

 
LinkBack Thread Tools
post #1 of 20 (permalink) Old 12-07-2009, 01:22 PM Thread Starter
Training Wheel Hero
 
Join Date: Nov 2009
Posts: 8
Thanks: 0
Thanked 0 Times in 0 Posts
Feedback Score: 0 reviews
Do you carry insurance for track only bikes?

I was wondering how many of you guys who only do track days (no street riding) carry insurance? If you do, is it for theft or if you do wreck your bike, do you take the bike to the street and make it look like a "street accident"? Any input would be nice. I could pay for a full track day a month by dropping my insurance.

Last edited by wdccbr; 12-07-2009 at 01:26 PM.
wdccbr is offline  
Sponsored Links
Advertisement
 
post #2 of 20 (permalink) Old 12-07-2009, 01:25 PM
World Superbike Racer
 
Nemesis's Avatar
 
Join Date: Apr 2009
Posts: 1,784
Thanks: 16
Thanked 46 Times in 39 Posts
Feedback Score: 9 reviews
Hell yeah I do!

State Farm will cover your crashes on the track so long as they're not timed events (races and such).

Also adds peace of mind when you're sleeping in the motels with your bike outside especially when you're 300+ miles from home.

We will miss you Chenhan a.k.a Phatstud
Nemesis is offline  
post #3 of 20 (permalink) Old 12-07-2009, 02:03 PM
Moto GP Racer
 
James Wong's Avatar
 
Join Date: Dec 2008
Location: San Diego/Los Angeles, California
Posts: 3,271
Thanks: 240
Thanked 157 Times in 140 Posts
Feedback Score: 6 reviews
Really? Does it vary from state to state? I have Statefarm as well. I'm in CA. Does your policy also cover your riding gear?

Quote:
Originally Posted by Nemesis View Post
Hell yeah I do!

State Farm will cover your crashes on the track so long as they're not timed events (races and such).

Also adds peace of mind when you're sleeping in the motels with your bike outside especially when you're 300+ miles from home.

Ride as if there is a tomorrow to live for.



FS: Dainese Wave V1 Neck Armor Jacket

FS: Dainese Torque Pro Out Air Boot (Euro 41)

2007 Honda CBR600rr Black/Silver - Stolen May 10, 2013 - RIP Evolet

2008 Honda CBR600rr Red/Black
James Wong is offline  
 
post #4 of 20 (permalink) Old 12-07-2009, 02:39 PM
 
Join Date: Oct 2008
Posts: 175
Thanks: 0
Thanked 1 Time in 1 Post
Feedback Score: 2 reviews
State Farms is awsome and HELL YES get insurance, my biggest concern is the bike being Stolen. Peace of mind is priceless
nlschele1 is offline  
post #5 of 20 (permalink) Old 12-07-2009, 03:53 PM
Moto GP Racer
 
v-tec crx's Avatar
 
Join Date: Jun 2008
Location: Ottawa Canada
Posts: 7,428
Thanks: 288
Thanked 315 Times in 278 Posts
Feedback Score: 10 reviews
ya i have state farm,, I called my insurance agent and asked him if I was covered if I went to participate in "ARC level 1 sportbike advanced riding course at Calabogie Motorsports Park" and he said yes, but I would not be covered if it was a timed event or if I was performing stunts.

I am from CANADA, the land of poutine, back-bacon and GOOD BEER!!
2012 STREET BIKE OF THE YEAR
v-tec crx is offline  
post #6 of 20 (permalink) Old 12-12-2009, 09:57 PM
Pocketbike Racer
 
Join Date: Feb 2006
Location: Loma Linda
Posts: 306
Thanks: 0
Thanked 1 Time in 1 Post
Feedback Score: 1 reviews
I pay $500/year for full coverage thru AAA.

Feel the rhythm feel the ride. Get on up, it's bobsled time. COOL RUNNINGS!!!!
Aaron is offline  
post #7 of 20 (permalink) Old 12-12-2009, 10:02 PM
Moto GP Racer
 
Bullast's Avatar
 
Join Date: May 2009
Location: 42.5833 N, 114.4667 W
Posts: 2,814
Images: 19
Thanks: 17
Thanked 225 Times in 179 Posts
Feedback Score: 10 reviews
Quote:
Originally Posted by Aaron View Post
I pay $500/year for full coverage thru AAA.
If you dont mind me asking, how much is your deductable?
Bullast is offline  
post #8 of 20 (permalink) Old 12-13-2009, 08:58 AM
Moto GP Racer
 
Niner1000RR's Avatar
 
Join Date: Oct 2006
Location: Boca Raton, Florida
Posts: 6,502
Thanks: 42
Thanked 223 Times in 189 Posts
Feedback Score: 1 reviews
I dont anymore, but I have. And I totaled a bike at the track and Statefarm covered it.


"at 8k i often get the tire to slip a bit(kinda like stoner in motogp) when i start to get on the throttle"
Niner1000RR is offline  
post #9 of 20 (permalink) Old 12-13-2009, 06:24 PM
Pocketbike Racer
 
Join Date: Feb 2006
Location: Loma Linda
Posts: 306
Thanks: 0
Thanked 1 Time in 1 Post
Feedback Score: 1 reviews
Quote:
Originally Posted by Bullast View Post
If you dont mind me asking, how much is your deductable?
$500/decutible

pro-rated in edition to the bike are my parts
-PC3 and Ign. module and quickshifter
-marchesinis
-vortex rearsets, clip-ons
-akra full titanium hex carbon exhaust
-brembo m/c and crg lever
-eracing fairings (opp carbon tail)
-penske rear shock/ohlins catridges

I love my AAA agent, she's hot too.

If the bike is ever stolen, I'm getting '08 1Krr with forks/shocks and marchesinis

Feel the rhythm feel the ride. Get on up, it's bobsled time. COOL RUNNINGS!!!!

Last edited by Aaron; 12-13-2009 at 06:30 PM.
Aaron is offline  
post #10 of 20 (permalink) Old 12-13-2009, 06:26 PM
Moto GP Racer
 
SLAPS808's Avatar
 
Join Date: Oct 2005
Location: San Diego County, SoCal
Posts: 28,565
Thanks: 179
Thanked 365 Times in 284 Posts
Feedback Score: 56 reviews
interesting...

think ill go talk to my state farm agent and ask if theyll cover my track riding.






Quote:
Originally Posted by struckbylitenin View Post
I wanna learn from the master king dingaling
SLAPS808 is offline  
post #11 of 20 (permalink) Old 12-13-2009, 07:04 PM
*BOTM Feb '11, Mar '12*
 
sincalirider's Avatar
 
Join Date: Aug 2008
Location: Visalia, Ca
Posts: 23,598
Thanks: 1,002
Thanked 1,191 Times in 901 Posts
Feedback Score: 27 reviews
Quote:
Originally Posted by SLAPS808 View Post
interesting...

think ill go talk to my state farm agent and ask if theyll cover my track riding.
Better not tell them your track record

sincalirider is offline  
post #12 of 20 (permalink) Old 12-13-2009, 07:11 PM
Moto GP Racer
 
SLAPS808's Avatar
 
Join Date: Oct 2005
Location: San Diego County, SoCal
Posts: 28,565
Thanks: 179
Thanked 365 Times in 284 Posts
Feedback Score: 56 reviews
Quote:
Originally Posted by sincalirider View Post
Better not tell them your track record







Quote:
Originally Posted by struckbylitenin View Post
I wanna learn from the master king dingaling
SLAPS808 is offline  
post #13 of 20 (permalink) Old 12-13-2009, 07:52 PM
AMA Supersport Racer
 
Sgt Danimal's Avatar
 
Join Date: Jul 2009
Posts: 667
Thanks: 20
Thanked 19 Times in 17 Posts
Feedback Score: 1 reviews
Is it like impossible to injure yourself or someone else at a track day? Chit happens... Does the track cover it? I don't understand why you wouldn't have insurance.

04 883 Sportster - SOLD
06 Softail FXST - SOLD
09 CBR 600rr - DRIFTER
Sgt Danimal is offline  
post #14 of 20 (permalink) Old 12-13-2009, 08:07 PM
Knee Dragger
 
2zz-r6's Avatar
 
Join Date: May 2008
Location: Monterey, CA
Posts: 118
Thanks: 0
Thanked 0 Times in 0 Posts
Feedback Score: 0 reviews
yep. State Farm for me.

RS Taichi . Ohlins . Akrapovic . GTYR . AGV . Sato .
01 ZZT231
08 R6
2zz-r6 is offline  
post #15 of 20 (permalink) Old 12-13-2009, 09:43 PM
Moto GP Racer
 
Knightshade's Avatar
 
Join Date: Mar 2009
Location: San Diego
Posts: 2,589
Images: 7
Thanks: 12
Thanked 129 Times in 100 Posts
Feedback Score: 6 reviews
Quote:
Originally Posted by Sgt Danimal View Post
Is it like impossible to injure yourself or someone else at a track day? Chit happens... Does the track cover it? I don't understand why you wouldn't have insurance.
I've been at a trackday where somebody actually died, so I would say a big fat no on this one.

Aside from that one incident, I've never seen anything other than a few bumps and bruises (some of them my own) and maybe some road rash.
Knightshade is offline  
post #16 of 20 (permalink) Old 12-17-2009, 11:53 AM
Training Wheel Hero
 
Stangy's Avatar
 
Join Date: Feb 2009
Location: T.O Canada
Posts: 98
Thanks: 0
Thanked 0 Times in 0 Posts
Feedback Score: 0 reviews
Fire and theft for me...i dont worry about it getting stolen, or losing it in a fire while its being stored at home...if i crash i crash, its my fault!

Why pay liability, conprehansive, or collision monthly fees for months for no reason..

fire and theft FTW
Stangy is offline  
post #17 of 20 (permalink) Old 01-10-2010, 03:42 PM
Pocketbike Racer
 
noobinacan's Avatar
 
Join Date: May 2008
Location: Charlotte NC
Posts: 352
Thanks: 12
Thanked 4 Times in 4 Posts
Feedback Score: 5 reviews
just liability to cover fire, theft and vandalism.
No need to pay anything extra for the 'maybe's'

as much as you pay insurance for one year..when that 'maybe' does happen..you can usually fix it up cheaper.


oh..and Insurance in Canada on Bikes SUCKS!
I feel sorry for those guys..
noobinacan is offline  
post #18 of 20 (permalink) Old 01-11-2010, 09:08 PM
Training Wheel Hero
 
Stangy's Avatar
 
Join Date: Feb 2009
Location: T.O Canada
Posts: 98
Thanks: 0
Thanked 0 Times in 0 Posts
Feedback Score: 0 reviews
Sure does!

3000+ year! I have one ticket for 15 over from 2.5 years ago in my car, and thats all....weak, damn theifs!
Stangy is offline  
post #19 of 20 (permalink) Old 01-17-2010, 04:14 PM
Knee Dragger
 
Chase's Avatar
 
Join Date: Oct 2008
Location: Jax, FL
Posts: 187
Thanks: 0
Thanked 0 Times in 0 Posts
Feedback Score: 0 reviews
as of right now, i carry full coverage on both my bikes. one is an 08 600rr, and the other is an 07 600rr. my 08 is track only, and both bikes are with gieco. i will be calling them to see if i can get my 08 with theft only. if i crash at the track, it will most likely be my fault.
Chase is offline  
post #20 of 20 (permalink) Old 01-17-2010, 11:12 PM
Pocketbike Racer
 
Join Date: Apr 2007
Location: The Woodlands, TX
Posts: 337
Thanks: 1
Thanked 2 Times in 2 Posts
Feedback Score: 14 reviews
In addition to fire and theft, insurance is also necessary if you are towing your bike and an uninsured driver causes damage to your bike (ie. hits your trailer) or you cause an accident in which your towed bike is damaged. Your car insurance does not cover the items you are towing as it is expected that you have separate coverage for these. That said, I don't have coverage for my track bike. Insurance was $400 per year for basic coverage and I have elected to roll the dice. I figure the odds of my bike being stolen from my garage are very low (I have a dog in my garage that doesn't like thiefs), as are the odds of me causing an accident or someone without insurance hitting my bike while I tow it.

2008 600RR - track only - sold
2009 Ducati Monster 1100S - sold
I am bikeless
deddie is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the 600RR.net forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome