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.

[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.

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.

[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

[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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