Star Insurance: track day insurance warning

[huck farley]

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Ive had many good experiences with Star too... bloody good and prompt with the payout. I had my new bike in 15 days of the writeoff & I cant thank them enough for it.

Likewise I had a claim back in 2002, Not a problem at all. I just had to concentrate on recovering from my surgery, and get well... I to had a brand new bike delivered to my dealers shop about a week after my accident.

I am one of the old school of riders on this forum and firmly believe that an insurance company is only as good as it's claims department.
There may be cheaper insurance policies around. But when you need help, are you absolutely sure they are going to be there for you? I know from experience STAR will.

So I'm afraid for me it's a case of best stay with the devil you know blah, blah, blah.

Phil Newell from Star insurance is a very caring bloke, and very approachable, and also very understanding. If you have a genuine claim. You can bet your bottom dollar Phil Newell will bend over backwards for you, to make sure your claim is being handled in a true and professional manner. I have been with STAR going on seven years now. Also I intend to stay with them for another seven +++++++
Merry Christmas to all on KB. & Star Insurance
K. Phillips
Wanganui.

[Unit:Me]

Awesome to hear positive stories. Im into a long term relationship with insurance, and have switched to Star clearly with that intention. Its nice to know my insurance is in good hands, and with people who understand bikes, and bikers.

[Tony.OK]

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As usual, please note I am not a lawyer and don't have the faintest clue about anything.You hereby indemnify me against any losses you incur as a result of acting on the information provided. Caveat emptor. May contain traces of nuts.

[sunhuntin]

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I would like to clarify why we have posted about this on the Kiwi Biker Forum. We have had some problems with people doing open days at Tracks with cars, drift cars and others were your cover is not extended to. These days also have no extra saftey barriers installed for your protection. We don't want to be telling you that the your claim is declined because of being at one of these open days.

We have major concerns about Pukekohe but that is a story for another thread. For Pukekohe track days we want the saftey barriers put up to add to your saftey.

Any changes to your policy will take effect at the renewal of your existing policy or from the Start of any new Insurance cover and these are showen on your policy schedule .

Hope everyone enjoys the Roads over the holidays and stays safe.

Please call us on 0800 96 8000 if you have any questions.

how exactly do drift cars on a track affect motorcyclists? and why are drift cars a reason for you to decline insurance for motorcyclists?

if your problem is with car drivers, i suggest you post on their forum instead.

[Cr1MiNaL]

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how exactly do drift cars on a track affect motorcyclists? and why are drift cars a reason for you to decline insurance for motorcyclists?

if your problem is with car drivers, i suggest you post on their forum instead.

LOL !!!! I think he means that cars r nasty pieces of machinery that make a lot of noise whilst going nowhere and dribble significant amounts of oil along the way !

[Sanx]

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LOL !!!! I think he means that cars r nasty pieces of machinery that make a lot of noise whilst going nowhere and dribble significant amounts of oil along the way !

Nasty pieces of machinery or not, the reason drift cars in particular are mentioned is that they throw significants amount of shit all over the track; shredded rubber, dirt and grass, mainly. Should the next session be for bikes, then you can imagine how the debris on the tarmac is going to affect grip levels.

[McJim]

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Nasty pieces of machinery or not, the reason drift cars in particular are mentioned is that they throw significants amount of shit all over the track; shredded rubber, dirt and grass, mainly. Should the next session be for bikes, then you can imagine how the debris on the tarmac is going to affect grip levels.

Yep, I've had to pucker up my arse a bit coming round Jennian at pace only to remember that the surface will be "Unprdedictable" for the next 3 corners.

[boomer]

I've ceased doing business with them.

Any company who tries to change there contractual agreement and obligation part way through, with no communication isn't worth doing business with. Given this experience, how can you ever be 100% confident you're insured the way you think/expect?



Here's my experience; for what its worth.
I buy a brand new bike through Coleman's and i think i'll get insurance cover while I'm there, The salesman tells me this crowd is good, they'll cover me for this.. that.. and track days. Ok i say but my policy is this much ( currently on the 600 ) can they match it? So the salesman comes back with a yep.. good to go.
4 months later i hear, on the internet.. that the cover i initially thought i had wasn't quite what i expected. Oh no. So i phone and ask the question. yup thats right track days are covered but not open days. Ok.. so i have a discussion but i'm not going to stop the starvation in Africa so we move on.
It's at this stage i ask for a copy of my policy as I've never received anything. Yep no worries I'm told and you can see teh policy on line too.. just visit the web page.
So here we are a couple of months later and i see by chance on the Internet some Insurance company looking to make changes to there policy.. oh boy !!!
I ask if I'm covered and told yes; i ask AGAIN for another copy of my policy, as to this stage i've still not recieved one. It turns up today.... and on the typed schedule .. it says and i partially quote "Insurance for track days is not automatically covered, you must gain prior approval from star"
This means THEY can decide on a whim if your covered or not. So why pay the premium when you don't know what exactly your covered for?


I'll admit hes a good sort, i siad i want out of the contract and i want all my money back as i don't believe they've met there side of the arrangement. He said ok so i get my 12 months payment back. Thankyou!

Just be aware of what you think you're getting .. is it really what you think you have?!

It's certainly not the way i do business.

[skidMark]

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Phil Newell from Star insurance is a very caring bloke, and very approachable, and also very understanding. If you have a genuine claim. You can bet your bottom dollar Phil Newell will bend over backwards for you, to make sure your claim is being handled in a true and professional manner. I have been with STAR going on seven years now. Also I intend to stay with them for another seven +++++++
Merry Christmas to all on KB. & Star Insurance
K. Phillips
Wanganui.

will he bend over forwards for honda riders?

[motocoorg]

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DAVE @ Kiwibiker Insurance 0800629253 Call the man, he is great

+1 for Dave, he is very helpful

[Swoop]

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I believe AA wont cover bikes at all!

Not true. I have had three bikes insured with them over the years. At reasonable prices as well, may I add?

[jrandom]

Another plug for Dave at Kiwibike, here. He's a thoroughly good cunt.

Anyway, it's a shame some folk have experienced confusion regarding the cover that the likes of Star and Swann offer, but apart from any perceived communication issues, the insurance policies in question seem eminently reasonable to me.

I put up a thread a while back lamenting the guys who've treated the fact that they can get insurance cover for trackdays as a licence to use their roadbikes as though they were sponsored race machines and ride them right up to and over the bike's handling (and the rider's skill) limits.

That RSV-R that was bounced off the back of another bike and biffed down the track at the recent MotoTT day constitutes an excellent example. That wasn't 'rider training'; it was just some dude getting a dose of the red mist. I certainly wouldn't offer a policy covering such shenanigans if I were an insurance company.

So let's enjoy the rest of 2008, with our lovely open-ended trackday insurance cover, and get as much time in as we can before our only option becomes to either:

A. pucker up and back ourselves at our own risk not to fuck up our precious shiny financed-to-the-hilt road bikes, or

B. invest in grubby old racebikes that we can trailer to tracks and bin at will.

I'll probably go with option B in 2009.

[Kendog]

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So let's enjoy the rest of 2008, with our lovely open-ended trackday insurance cover, and get as much time in as we can before our only option becomes to either:

A. pucker up and back ourselves at our own risk not to fuck up our precious shiny financed-to-the-hilt road bikes, or

B. invest in grubby old racebikes that we can trailer to tracks and bin at will.

I'll probably go with option B in 2009.

That does seem like a likely outcome for 09.
I'm with you on option B.

[discotex]

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That does seem like a likely outcome for 09.
I'm with you on option B.

My understanding (with Star via Kiwibike at least) is that next year they will require all trackdays to be called in ahead of time and they will raise the excess to 15% of the policy value.

I think that's pretty fair to be honest. Even better would be an option to reduce that excess to 10% or less for an additional amount on the premium.

[Beemer]

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I would like to clarify why we have posted about this on the Kiwi Biker Forum. We have had some problems with people doing open days at Tracks with cars, drift cars and others were your cover is not extended to. These days also have no extra saftey barriers installed for your protection. We don't want to be telling you that the your claim is declined because of being at one of these open days.

We have major concerns about Pukekohe but that is a story for another thread. For Pukekohe track days we want the saftey barriers put up to add to your saftey.

Any changes to your policy will take effect at the renewal of your existing policy or from the Start of any new Insurance cover and these are showen on your policy schedule .

Hope everyone enjoys the Roads over the holidays and stays safe.

Please call us on 0800 96 8000 if you have any questions.

Pretty poor as far as I'm concerned and if you are personally representing Star Insurance, may I suggest you get your posts proofread for spelling errors first - it's 'safety' and 'shown'. Makes me wonder how many other errors may be found in your policy documents.

How many of us do take part in track days with cars as well? Most of us value our lives (and our bikes) too much for that and there are plenty of well organised motorcycle-only track days to choose from.