Insurance advice about tread depth

[macka77]

When you are pushing your own personal boundaries on a track day .... (even without speed being a factor) GOOD tyres should be fitted. Money spent on them could save the cost of the excess ... ($1000 excess Vs $300 tyre ... no contest)

I recall the OP mentioning the organisers did stipulate tyres to WoF standard, and he stated he did have on the form.

i got to add i clearly put the club at fault. it is a saftey issue here bad tires are a hazard, good road tyres arnt race tyres and training/hava go day clubs should face up to crashes being minimalized, more effort could be spent addressing the punters before going out on track, iv witnessed a dick riding around with jeans on and a kid on the back with jeans no gloves in a slow group.if money is tight more guys are going to be riding around on unsutable rubber and eating shit, guys on good tyres also think they are safe but go down because of running too higher pressure. all novice stuff but a needless crash can screw up your whole day.

[PeeJay]

i got to add i clearly put the club at fault. it is a saftey issue here bad tires are a hazard, good road tyres arnt race tyres and training/hava go day clubs should face up to crashes being minimalized, more effort could be spent addressing the punters before going out on track, iv witnessed a dick riding around with jeans on and a kid on the back with jeans no gloves in a slow group.if money is tight more guys are going to be riding around on unsutable rubber and eating shit, guys on good tyres also think they are safe but go down because of running too higher pressure. all novice stuff but a needless crash can screw up your whole day.

Thats right, its always someone else's fault.

[FJRider]

i got to add i clearly put the club at fault. it is a saftey issue here bad tires are a hazard, good road tyres arnt race tyres and training/hava go day clubs should face up to crashes being minimalized, more effort could be spent addressing the punters before going out on track, iv witnessed a dick riding around with jeans on and a kid on the back with jeans no gloves in a slow group.if money is tight more guys are going to be riding around on unsutable rubber and eating shit, guys on good tyres also think they are safe but go down because of running too higher pressure. all novice stuff but a needless crash can screw up your whole day.

I call BULLSHIT.

The OP was aware of his own insurance policy conditions (his fault if he didn't)
The OP was told by the organisers that WoF standard tyres must be fitted/used on the track day. And had a form to sign to say/declare he DID have .... which he DID sign(But did not have by his own admission. His fault as he made false declaration)
Usual procedure on track days is signing a waiver to absolve the organisers of any responsibility. Unless NEGLIGENCE is proven ... your problem.
If ANYBODY wants to take THEIR kid out on the track (low or high speed) they are responisible for their safety. Their decisions ... their problem.

About time people started taking responsibility for their own actions ... or inactions. Not bleating on how unfair it is afterwards ...

Bitching about a declined insurance claim (after all that) ... because they were too cheap to fit a $300 tyre is fucking hilairious ...

[Dave-]

Usual procedure on track days is signing a waiver to absolve the organisers of any responsibility. Unless NEGLIGENCE is proven ... your problem.

WRONG.

Usual procedure on track days is scruitineering.

Why wasn't the tyre scruitineered?

[SVboy]

Thats a trolly wee post Dave-. You know full well thats not the usual senario at the track days you and I attend. Something about personal responsibility...

[Dave-]

Thats a trolly wee post Dave-. You know full well thats not the usual senario at the track days you and I attend. Something about personal responsibility...

Yeah I know, I just really wanted to say "WRONG" in the same way he was all "BULLSHIT", I'm sorry.

At the motosoc ones I scrutineered all bikes, earlier track days el did half, the cars were always scruitineered too.

The last have a go day I attended was the first ride on the r6, and I'm sure I was scruitineered there, that was over a year ago I think so I may be wrong.

It has always irked me that we're not more strongly scruitineered at MCI race days, did you see me dodge that exhaust on the main straight once?

I realise the tuesday-friday sessions we attend aren't scruitineered, and you're entirely right, there is a lot of personal responsibility there, but this was obviously a sanctioned official track day, if insurance was on the line why was there no scruitineering?

The guy is still in the wrong though I think the insurance company are equally as wrong, if you're going to get into tread depth and tyre deformation then why not tyre pressures and temperatures too?

[FJRider]

I realise the tuesday-friday sessions we attend aren't scruitineered, and you're entirely right, there is a lot of personal responsibility there, but this was obviously a sanctioned official track day, if insurance was on the line why was there no scruitineering?

The guy is still in the wrong though I think the insurance company are equally as wrong, if you're going to get into tread depth and tyre deformation then why not tyre pressures and temperatures too?

Insurance was only "On the line" to those that took the time to arrange it. And the responsibility of those same people to adhere to the conditions imposed on them to be covered by insurance.

If the claim is denied ... the OP wont get anything from the insurance company. And probably liable for the costs they have paid to recover from the track ... and get it inspected. Which no doubt makes him keen to find reason to get it accepted.

Tyre pressures/temperatures are not on any WoF checklist I've seen.

[Kickaha]

It has always irked me that we're not more strongly scruitineered at MCI race days, did you see me dodge that exhaust on the main straight once?

Why? you sign a form saying your bike and gear all comply, they shouldn't really have to scrutineer at all

[FJRider]

Why? you sign a form saying your bike and gear all comply, they shouldn't really have to scrutineer at all

But if he crashes due to a bike fault ... it wont be his fault.

[Dave-]

Tyre pressures/temperatures are not on any WoF checklist I've seen.

I know, All I'm saying is that if the insurance company want to get really picky on tyre deformation etc they might want to consider all the factors which WOF doesn't do.

Why? you sign a form saying your bike and gear all comply, they shouldn't really have to scrutineer at all

But if he crashes due to another bike fault ... it wont be his fault.

Fixed.

[SVboy]

Yeah I know, I just really wanted to say "WRONG" in the same way he was all "BULLSHIT", I'm sorry.

At the motosoc ones I scrutineered all bikes, earlier track days el did half, the cars were always scruitineered too.

The last have a go day I attended was the first ride on the r6, and I'm sure I was scruitineered there, that was over a year ago I think so I may be wrong.

It has always irked me that we're not more strongly scruitineered at MCI race days, did you see me dodge that exhaust on the main straight once?

I realise the tuesday-friday sessions we attend aren't scruitineered, and you're entirely right, there is a lot of personal responsibility there, but this was obviously a sanctioned official track day, if insurance was on the line why was there no scruitineering?

The guy is still in the wrong though I think the insurance company are equally as wrong, if you're going to get into tread depth and tyre deformation then why not tyre pressures and temperatures too?

In all fairness to you-we all got carefully scruitineered today at the HAGD meet.

[breakaway]

This is exactly why you shouldn't have bothered with insurance. With all the money you could have saved you could go buy a new bike right now and sell the wreck for beer money.

Bet they made you bend over and lube up for track insurance and bumped up your excess as well didn't they

[p.dath]

i got to add i clearly put the club at fault....

Negative. The rider has to accept responsibility for their own machine. The rider chose to use their machine on that day on that track at that event. It was all the riders choice, and the riders responsibility.

And it sounds to me like the rider *does* accept responsibility, and was just being rather hopeful that the insurance company would pick up the repair bill.

WRONG.

Usual procedure on track days is scruitineering.

Why wasn't the tyre scruitineered?

It was not scruitineering's fault. It is solely the riders responsibility to ensure their machine meets the standard. Scruitineering merely provides an extra check to try *and help* keep people safe.

[macka77]

Negative. The rider has to accept responsibility for their own machine. The rider chose to use their machine on that day on that track at that event. It was all the riders choice, and the riders responsibility.

And it sounds to me like the rider *does* accept responsibility, and was just being rather hopeful that the insurance company would pick up the repair bill.



It was not scruitineering's fault. It is solely the riders responsibility to ensure their machine meets the standard. Scruitineering merely provides an extra check to try *and help* keep people safe.

what a load of wank if the tyre was the cause of the crash what is the purpose of scrutineering and if theres no scrutineering whats the point of rider responsibilty

. i give example a member on this site with thousands of posts adjusted his chain so tight before going out onto the track it was like a steel rod and lucky someone picked it before him going out up weird things can happen.... 90% assume that their bikes ok and gladly sign that the bike is ok so relying on riders with no mecanical skill to sign a form saying they have inspected their bike to wof standard is even worse because they are putting everyone else at risk .50/50 if you wana play blame game

[p.dath]

...whats the point of rider responsibilty

This bit saddens me the most. No offence but if you don't see the point in taking responsibility for yourself and your own safety you're in for a world of hurt, and will only be able to experience anger as you hunt around for others to blame.