Insurance and track days?

[Squiggles]

You take risks, they charge to cover that risk... Or they decide its too much of a risk and decline

I thought it was simple =\

[cowboyz]

You take risks, they charge to cover that risk... Or they decide its too much of a risk and decline

I thought it was simple =\

i dont have a problem if they decide the risk is too high and are not offering cover *before* they take your money. When they agree to take your money and agree to cover you for trackdays and then decide later that they are going to change the conditions of the policy without notice.. how is that fair?

[Shaun]

I think Insurance companies are bolldy crazy to even offer any cover for track days

Sorry to p anyone off with this post

[hayd3n]

insurance company's can change your policy whenever they want without notice read your contract

[cowboyz]

yep. there in lies the problem. you dont know what your paying for and the goal posts keep moving

[sinfull]

I think Insurance companies are bolldy crazy to even offer any cover for track days

Sorry to p anyone off with this post

Agree with ya here Shaun !
Track day companies work toward getting insurance companies to cover them by calling them training days and good on em, it does help both riders and the T/D companies fill the groups !
But yep very bold, seeing the ave person wanting insurance for track days wont have tyres suited for the track, their suspension will 9 times out of 10 be way off whats needed, if it rains most get the mentallity that they have paid for the day so they gonna ride even though it's like riding on ice with the rubber they have, most eventually out ride their abilities or start chasing faster riders by the end of the day !

Buy a track bike i say !
Just happen to know where there's a great gixxer set up for just that purpose !

[cowboyz]

hold on a tic... werent you avocating the track as a good (safe) place to upgrade your skills 5 mins ago?

[sinfull]

hold on a tic... werent you avocating the track as a good (safe) place to upgrade your skills 5 mins ago?

And boy has it ever, But i never had cover !
My opinion hasn't changed Lance, still the safest place to go fast, learn what to or not to do when things go wrong, learn where your bikes limits are, learn about your suspension, tyres and the differences in compounds etc !
CD run a track day and have for a lot of years, but the insurance co's don't recognise them as training days mate, that will be why you weren't covered !

[cowboyz]

ive always been covered for them in the past.. the reason for no cover this time around is because I am losing my licence NEXT week. I will still have one on the day of the trackday

[roogazza]

I think Insurance companies are bolldy crazy to even offer any cover for track days
Sorry to p anyone off with this post

Me too, I was amazed the first time I heard of cover being given for trackdays. The companys' obviously took the bait that trackdays are for training etc . I thought it was purely a chance for a 'fang'..... silly me ! G.

[cowboyz]

insurance would save alot more money by saying.. wont pay out any time there are more than 2 sportsbikes in any area on a backroad............

[MaxCannon]

I've done 6 track days- two at Pukekohe- two at Taupo and two at Hampton Downs.

I think you do actually learn some quite valuable skills - certainly the first two I did helped me find the limits of the machine I was riding.
It's way safer than trying it on the road.

As for insurance - Kiwibike only said no once, I still went anyway and had a blast.

I realise some accidents can't be avoided but most of the ones I've seen at track days have been people outriding their limits.
Still - I'd rather crash at a track day and wait < 2 minutes for an ambulace than crash in the middle of nowhere and wait an hour with a broken arm like a friend did before Christmas.

[Broomrider]

I did a HMCC rider training day at Hampton Downs recently, for the 900ss ( 10 years old) Go Lightly ( insured with Vero) said no as it was not one of the two recognized training providers.
I have an old Darmah insured thru the Vintage Car Club for $ 120 a year...called them and they were uncertain what a track day was....they came back with 3K excess....so the Darmah it was..... I was only in the learner group but I had a ball...
Have fun

Deciding on insurance is like choosing a mobile phone plan....you know they are going to get you somewhere.

I was booked to go on a training course in April with Pro rider under the watchful eye of champion bike racer Karel Pavich at Ruapuna...(Vero) has told me I won't be insured as doesn't recognise Pro rider as one of their two recognised training providers in CHCH. He then went on about how I should do a course (naming another training provider here in CHCH) ... training providers have to go through NZTA accreditation to be able to provide this service

[PeteJ]

AMCC's ART Days are actually training days, not just track days.

But, from Graham's report on 17 January day:

"We had Star Insurance ‘come out’ stating they have been ‘blind’ testing us at previous events and have declared us ‘Class One’ meaning they will insure you without increased premiums and even discount you premiums after attending our courses."

Dunno what the story is with excesses, though.

[Squiggles]

I believe the training providers usually contact the main insurance co's about having their clients covered there... perhaps not tho

Insurance Companies

Just recently there have been some issues with insurance companies covering motorcycle events at Hampton Downs. As a result of this we have talked to several insurance companies and they have agreed to cover people participating in events that are managed by Motorcycling Events Group NZ Ltd. This means that Hampton Downs Ride Days and the California Superbike School are covered.

Please phone your insurance company before attending any events and if they are unsure, please encourage them to give us a call. We are happy to talk to them.