Track day - Insurance question

[duckman]

Hey guys,

I'm really keen to do the track day at Pukekohe this saturday but my insurance (Swann) say they wont cover me.

I remember some time ago, someone posted saying their insurance considered it "rider training".

I have tried searching the threads but couldn't find it.

Any help is appreciated. :ride:

[Drunken Monkey]

It depends exactly on your policy. Some policies state that as long as it is not a 'race', you will still be covered. This typically means the track is considered a 'closed road' and the 'event' may not be timed or start with a 'grid' (hence the starting from the pit lane, or 'dummy grid').
In the end, it depends on your policy.

[bugjuice]

I'm with State, and they cover anyone with full insurance, as long as *it is not a timed event or race*.. there's the clause. Some insurance companies will just refuse outright. If you have called them saying you're going to hoon around a race track, call them back and say it's a public open day on a track, not a race or timed event. You might be covered. Else see if you can buy a day cover if you really want.. or just go easy

[duckman]

Yeah, I called Swann, and insisted that they double check and they said definitely no.

I prepared to change insurance companies over this but I'm not prepared to ride the track without insurance.

So apart from State (dont like them much) who else has managed to get cover for the track??

[trev]

I'm with Star Insurance & my policy says:-
"does not cover any loss or Liability while any insured motoercycle is :
1. (a) being used for any professional or business use unless notified and accepted by the Company, or any racing, pacemaking, reliability trial, hill climbing or speed tests, motor cross, trail riding or off road recreational activity, or being ridden in preparation for any one of these activities"

Should be O.K. ?? When I do a track day I will get someone to give me some advice & therefore I am doing rider training.

[bugjuice]

I kinda want to have a small accident, just so on the claim form when it asks how fast you were travelling prior to the accident, I can put 250kph+.. :devil2:

but then I don't want to damage my bike, or me, or have my policy go up..

[duckman]

I'm with Star Insurance & my policy says:-
"does not cover any loss or Liability while any insured motoercycle is :
1. (a) being used for any professional or business use unless notified and accepted by the Company, or any racing, pacemaking, reliability trial, hill climbing or speed tests, motor cross, trail riding or off road recreational activity, or being ridden in preparation for any one of these activities"

Should be O.K. ?? When I do a track day I will get someone to give me some advice & therefore I am doing rider training.

Thanks Trev, I just called Star and they are going to call me back.
I'll let you all know what they say when I ask .. "so Mister, can I go fast at the track too?"

[V Twin Raver]

Try Classic Cover in Hamilton Mate. I have got mine through them - they cover track days as you propose to partake in.

[duckman]

Yippeeeeee.....

A big THANKS to trev.

I just spoke with a lurvely lady from Star insurance and she assured me that I would have full cover for the track this weekend.

I've also cancelled my policy with Swann insurance. :motu:

So, I'll be there!! :woohoo:

[bugjuice]

was Star any cheaper?
my insurance is coming up for renewal soon, so might shop around before I cough up again..

[duckman]

was Star any cheaper?
my insurance is coming up for renewal soon, so might shop around before I cough up again..

I think it's about 5 dollars more a year. :clap:

[bugjuice]

I think it's about 5 dollars more a year. :clap:
least it's track cover..

[motobob]

I think it's about 5 dollars more a year. :clap:

Hi Duckman. 5 bucks more than what? What is your premium and excess. Ta. I'm with Classic and going thru a claim now so it will be interesting to how things will go.

[duckman]

Sorry fella, my answer was a bit vague there wasn't it.

I used to pay approx. $980 a year and now it approx $985 a year - Thats full cover and track days!!

I'm a smigen over 30 will no road accidents for 10 years. :woohoo:

[bugjuice]

watch for the excess.. some places have a 25% of the value excess.. which is mental at the best of times..

[motobob]

Thanks for that Duckman. Might see you out at Puke 2moro.

[duckman]

I think the lady said my excess ..... was ... $200 or was it $2000. ... hmmmm
I'll have to check that.

[trev]

Insured Value $13,000.00
Premium $878.00
Excess - riders over 40 $ 750
30-39 $1,000
25-29 $1,250
Theft excess $2,000

I wonder what the excess is for a rider under 25 ??

[Cibby]

Sorry fella, my answer was a bit vague there wasn't it.

I used to pay approx. $980 a year and now it approx $985 a year - Thats full cover and track days!!

I'm a smigen over 30 will no road accidents for 10 years. :woohoo:


What the hell???? :argh:

$985 a year, mate you are being ripped off.

I've got full insurance for $365 and i'm 21. Go to classic cover. Even better. come to me, i'm an insurance broker.... :apumpin: :2thumbsup

[Cibby]

Insured Value $13,000.00
Premium $878.00
Excess - riders over 40 $ 750
30-39 $1,000
25-29 $1,250
Theft excess $2,000

I wonder what the excess is for a rider under 25 ??

oh and did i mention my excess was $500,

Thats it,

Yep.

people under 25 are unlikely to be covered on any motor cycle policies unless specifically noted. Cause we are a risk or something????? :whistle: :doobey:

[duckman]

oh and did i mention my excess was $500,

Thats it,

Yep.

people under 25 are unlikely to be covered on any motor cycle policies unless specifically noted. Cause we are a risk or something????? :whistle: :doobey:

Crickey!! Cibby, if you really are an insurance broker for classic, send me a PM please. - Where do I sign?