Race / track day insurance

[kawa64]

What insurance company do you use for track days?

What was the excess like and did you have any trouble completing/filing a claim?

[neil_cb125t]

Hey I think Kiwibike insurance provide some form of cover, you will need to talk to them about the details.

[Bassmatt]

I'm insured with Star, their trackday insurance only covers the two slowest groups , high excess ,lots of exclusions , pretty much a waste of time.

[Eyetie]

I did Hampton Downs at the weekend and spoke to a few who had been told they could only be in a slow or medium group with there insurance company. I am with Protecta and did not get get told that other than an extra 500.00 excess over and above the existing excess I have.

[Autech]

Used to be with NAC. They didn't stipulate groups at the time, they just wanted to know ahead of time and they were good, never had the occasion to call them to be fair for track but they were great when I wrote off my Gixxer. Think the excess was either the same or double.

[Dave-]

FWIW, I insured my race bike for fire, theft and transport through Star for about $30 a month

[roogazza]

I started in 1970 and figured from that day I wouldnt do insurance.The bikes were Production jobbies so the number boards came off and they were used on the road.
They crashed quite well in those days compared to modern stuff. Maybe I was lucky maybe not.
I decided to back myself on the road but on track its racing and sometimes shit happens.
I had to fix a few, but I'm way,way ahead, I reckon.
FWIW my story. :innocent:

[gsxr]

I started in 1970 and figured from that day I wouldnt do insurance.The bikes were Production jobbies so the number boards came off and they were used on the road.
They crashed quite well in those days compared to modern stuff. Maybe I was lucky maybe not.
I decided to back myself on the road but on track its racing and sometimes shit happens.
I had to fix a few, but I'm way,way ahead, I reckon. That's 47 years to date !
FWIW my story. :innocent:

I gave up racing almost 15 years ago. In the 20 odd years I never insured my race bikes or cars as back then it was either unobtainable or prohibitive in cost.
Luckily I only had one off on the bikes but plastics were so much cheaper then.
Track days however are different. Many use their pride and joy so it is up to the individual to decide to pursue insurance or not.
Insurance companies take the gamble based on the odds and charge accordingly so it is up to the individual to calculate the chances and pay accordingly or take the gamble.
Its a toss of the coin. Sometimes you win . Sometimes you loose.

[roogazza]

Yes ,those earlier years didn't have the Plastics I suppose ,till the eighties anyway.
True on the trackday thing.But for me they are more of a fast road ride.
The ones I've done, there is less risk when in the faster group, as punters are usually familar with track work.
Some people find them exciting I suppose.
Honestly got over them pretty quick and with my background I preferred not shagging tyres and having to pay for doing it ? lol. :shifty::mellow::laugh:

[Autech]

Does anyone even offer insurance for race days?

Track day insurance should be covered under your road insurance if you supplier is good. Only ever did 3 track days myself a road legal bike

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[pritch]

The fact that insurance companies are not keen on offering insurance for the track proves it is not safer than the road as some on here think.

Ahhh just in case we needed a contrary view?

On the track people are sometimes seeking the limit so it shouldn't be surprising, if occasionally somebody finds it. Even so, with everybody going in the same direction and a lack of hard objects in the immediate vicinity, it should be immeasurably safer than crashing on the road after bouncing off random dogs.

[Autech]

The fact that insurance companies are not keen on offering insurance for the track proves it is not safer than the road as some on here think.Guess how many cars I have had coming head on at me since I stopped riding on the road?

Zero.

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[Dave-]

Ahhh just in case we needed a contrary view?

On the track people are sometimes seeking the limit so it shouldn't be surprising, if occasionally somebody finds it. Even so, with everybody going in the same direction and a lack of hard objects in the immediate vicinity, it should be immeasurably safer than crashing on the road after bouncing off random dogs.


Guess how many cars I have had coming head on at me since I stopped riding on the road?

Zero.

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Oi, shut the fuck up guys, stop trying to convince him.

Part of the reason the race track is safer is because most of the fuckwits aren't on it.

cassina ignore those guys, you're definitely totally right, you keep riding on the nice safe road, don't worry about nasty dangerous race tracks. Probably best if you never visit this sub-forum ever again too, there's only nasty dangerous track riding details in here. Nothing you need to concern yourself with because as you rightly claimed, the road is safer.

[AllanB]

The 'road' surface on the track will be better than anything public around Christchurch and Canterbury :sunny:

[Autech]

I dont think the track surface would be the reason why insurance companies are not keen to offer cover for track riding/racing.Wouldn't you feel the pressure to keep up and fall off regardless of the surface?
Back to under the rock whence you came from Cassina, this is not the discussion for you.

Did the OP check out NAC?

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[kawa64]

Wouldn't you feel the pressure to keep up and fall off regardless of the surface?
Back to under the rock whence you came from Cassina, this is not the discussion for you.

Did the OP check out NAC?

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Can't find anything on the NAC website about track day insurance on motorbikes; only for cars

I have a lot of experience with motorcycle racing and can get a lot of referrals, the biggest problem I am suffering is that I'm 20 years old... :/ ; ergo automatically drive like a retard

This is what I was worried about regarding the OP:

https://s1.postimg.org/9d7jo2y0en/Screen_Shot_2017-10-30_at_12.32.39_AM.png

Are they gona charge an excess of $10,000 or something because of my age? (The regular excess for road accident is $1,000)

Context:

https://s1.postimg.org/3b7kkhovcf/Screen_Shot_2017-10-30_at_12.34.10_AM.png

[nzspokes]

From memory they double your excess. And only slow and med groups.

Im with Swann and I just e-mail them when Im doing it.

Cassina wouldnt make it to the track, probably hit livestock of some kind in her driveway.

[neil_cb125t]

The fact that insurance companies are not keen on offering insurance for the track proves it is not safer than the road as some on here think.

Insurance companies are keen on......wait for it........making money.

If there is a way they can get out from paying out a claim on your std road going insurance, for your road registered motorcycle, ( thats what your cover is there for, covering you on the road ) then they will.

Accordingly if you rode your ST1100 or R6 into the cook straight, or out on a primary school dirt bike fundraising trail bike ride they also would not cover you for damage.

[Autech]

From memory they double your excess. And only slow and med groups.

Im with Swann and I just e-mail them when Im doing it.

Cassina wouldnt make it to the track, probably hit livestock of some kind in her driveway.Yeah NAC just doubled your excess.

Being 20 will mean you will be butt fucked regardless of who you go with I think.

Main idea of a track day is to go out n have fun, don't get caught up any ego battles and try and improve your skill set, easier said than done but IMO no one should really be pushing at 100% on a track day with their gorgeous road bike.

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[steveyb]

Very simple, oft overlooked solution to all of this navel gazing and worrying.

Go buy a cheap track-day bike and ride the snot off it, not really worrying about damaging it.
There are plenty of ex-racebikes for sale in NZ that would make great track-day bikes for under $5k.
Any damage is likely to be less than the excess on a road-bike insurance and you get to choose which group and which track-days, and they may in all likelihood be way better than your road bike.

Where do I send the bill for the advice?

[neil_cb125t]

Are you saying that insurance companies think a road registered bike is not as safe to ride on the track and it has nothing to do with the competitive nature of track riding?

Im saying a road registered bike is insured for riding on the road is all.

There are plenty of reasons to ride/drive on a enclosed circuit that are not competitive. if your partaking in driver training etc then there are insurance companies who factor and cover people for this. Some insurance companies recommend you partake in rider/driver training that takes part on an enclosed circuit as you become a better rider/driver.

If you like blasting at track days and getting yourself up towards your limit of skills and speed then a dedicated track bike is in my opinion the best solution.

[neil_cb125t]

Very simple, oft overlooked solution to all of this navel gazing and worrying.

Go buy a cheap track-day bike and ride the snot off it, not really worrying about damaging it.
There are plenty of ex-racebikes for sale in NZ that would make great track-day bikes for under $5k.
Any damage is likely to be less than the excess on a road-bike insurance and you get to choose which group and which track-days, and they may in all likelihood be way better than your road bike.

Where do I send the bill for the advice?

what he said :-0

[Autech]

Very simple, oft overlooked solution to all of this navel gazing and worrying.

Go buy a cheap track-day bike and ride the snot off it, not really worrying about damaging it.
There are plenty of ex-racebikes for sale in NZ that would make great track-day bikes for under $5k.
Any damage is likely to be less than the excess on a road-bike insurance and you get to choose which group and which track-days, and they may in all likelihood be way better than your road bike.

Where do I send the bill for the advice?

Make it a Ninja 300 or something so that when you get the bug for racing (which often follows) you're ready to go show the world that you're the next Marc Rossi, Jorge Pedrosa or Maverick Marquez

[Mike.Gayner]

Can you guys PLEASE stop arguing with that idiot cassina in every thread? You're allowing the troll to succeed in derailing every damn thread.

My insurance is through Kiwibike, though I don't remember who the insurer is, but I've had two different insurers through them with the same track day stipulations: slow and medium groups only, triple excess from $500 to $1,500, no roadside cover.

[Mike.Gayner]

Very simple, oft overlooked solution to all of this navel gazing and worrying.

Go buy a cheap track-day bike and ride the snot off it, not really worrying about damaging it.
There are plenty of ex-racebikes for sale in NZ that would make great track-day bikes for under $5k.
Any damage is likely to be less than the excess on a road-bike insurance and you get to choose which group and which track-days, and they may in all likelihood be way better than your road bike.

Where do I send the bill for the advice?

That's just not practical for everyone. I do 1-3 track days a year, and ride my bike there and back. I don't have a trailer or a car that can tow a trailer. So I'd be many thousands in capital costs plus hundreds per year in additional running costs in order to do 1-3 track days per year.

[Bassmatt]

Put broken bike and bits on trailer and take it home. Wait a week , throw bike and bits on road, make claim.

[Mike.Gayner]

Put broken bike and bits on trailer and take it home. Wait a week , throw bike and bits on road, make claim.

This exact thought has certainly crossed my mind.

[steveyb]

Hear what you are saying about the car, trailer etc, although all those things, incl vans, can be rented for much less than the cost of ownership.

It wouldn't be the first time that a bike has mysteriously found its way off the trailer or out the back door of the van........