Right, all you squidly twats, stop bloody crashing on trackdays

[Swoop]

I suspect that your confidence is misplaced, and that the insurance companies did indeed imagine that they were insuring stately processions of safety-conscious motorcyclists picking up hints and tips from various wise old hands being paid handsomely by the hour to pass on their expertise.

Perhaps they are... just at very high speeds.

It'll just end up like Europe.

Take numberplates off bike. Fit different coloured decals or plastics. Crash bike at trackday. Take bike home, refit numberplate and plastics. Claim on insurance.

Will they not be suspicious about a bent bike with mint fairings?

[Morcs]

Just been reviewing Betty's insurance prior to MotoTT tomorrow, and I found out that all policies taken out with Star since the beginning of 2008 have a $2,000 excess on their trackday cover.

Dave at Kiwibike commented to me this morning that all the NZ motorcycle insurers will probably stop offering trackday cover within the next year.

Why?

Trackdays used to run once in a blue moon, and were genuine 'rider training' occasions. That's what the insurance companies had in mind when they added cover for them as a policy benefit.

Nowdays, in large part thanks to the efforts of this fine forum, I suspect, every man and his dog takes his rice-burning crotch rocket to Puke, Taupo or Manfeild at every possible opportunity, and drags his mates along for some unofficial racing and clowning around.

Yes, I know y'all race each other and practice stunting at trackdays. The 'rider training' thing is bullshit, let's not beat around the bush.

I'd just like to say a hearty 'thanks for nothing' to all you cunts who took advantage of your insurers' naivety and raped your bikes around racetracks without heed to their value or your own lack of skill through '06 and '07 in an expensive fairing-splintering free-for-all.

I hope you enjoyed yourselves, because the party's about to end. If you want to keep playing on racetracks, you're going to have to start paying for it yourselves.

Did you really think the insurance companies would keep picking up the tab for your intentional pushing of your machines beyond their and your limits?

Dumbarses.

Mate, If everyone had USD forks, then bikes would actually handle properly and not crash.

[ElCoyote]

wouldnt that be contradicting your rant, by having to claim on your insurance for having an accident at a trackday?

Yes possibly but putting that on a claim form would be harder and get more laughs but only from penis owners.

[Gremlin]

Yup. All policies that have been current since before 01/01/08 get their standard excess applied to trackday cover. All new policies get the $2K excess on the track.

yay!

fwiw, I have never binned at a trackday *touch wood*, so 100% record for me... (ok, so I've only done 1)

[Chrislost]

hence why you buy the rungiest thing you can find with 2 wheels and a straight frame, then proceed to flintstones yourself around the track faster then half the R6es/GSXRs/ZXRs that are there.

Ill bet 6/10 of you cant rape a modern sportsbike to the same extent of its potental as you could a 1990s one...
the other 4/10 ride crusers.

[pritch]

From what I've read, the system used by some insurers in the USA is that "rider training days" can be covered. Track days are not. As soon as someone gets a stopwatch out all bets are off.

The Honda Riders Club insurance scheme covers their training days under the normal cover. In fact one HRCNZ training day fee can be deducted from the premium each year.

Track days are not covered.

I'm somewhat amazed that any company would cover bikes on a track day...
They are basically betting nobody will fall off. Not a good bet i'd have thought.

[El Dopa]

From what I've read, the system used by some insurers in the USA is that "rider training days" can be covered. Track days are not. As soon as someone gets a stopwatch out all bets are off.

The Honda Riders Club insurance scheme covers their training days under the normal cover. In fact one HRCNZ training day fee can be deducted from the premium each year.

Track days are not covered.

I'm somewhat amazed that any company would cover bikes on a track day...
They are basically betting nobody will fall off. Not a good bet i'd have thought.

The point that jrandom is making is that most events billed as 'rider training days' don't include much (if any) material that is easily recognised as formal training - i.e. there isn't a structure to the day where you follow (or are followed) by an instructor, who then takes you into a classroom and makes suggestions on your riding style, lines, etc. The 'training' aspect of it is therefore what you teach yourself (which I for one find far more useful in teaching myself how to ride than a month of sundays on the road).

Therefore, it could be argued (in my opinion incorrectly) that they are effectively open track days in all but name.

The difference is that there appears to be a sort of gentlemens agreement between the insurance companies and the TD organisers that the insurers will accept their track days are formal training events, as long as the organisers make a reasonable effort to stop people lap timing, stunting, riding like gimps and carving up the noobs, etc.

If Jrandom is correct, this could be about to change, thanks to the few who go to a 'training event', treat it like an open day, bin, and then claim.

And if anyone from the insurance companies is reading this, I shall repeat: The average rider will learn more from a day on the track than they will from a month on the road, even if they are teaching themselves.

[scracha]

And if anyone from the insurance companies is reading this, I shall repeat: The average rider will learn more from a day on the track than they will from a month on the road, even if they are teaching themselves.

And the insurance won't have to pay out for the fence, other car, etc that they would take out on the road prior to going splat.

[justsomeguy]

What are you complaining about?

Be thankful the party lasted so long. A lot of people in the non-novice group ride at 100% and bin at some point. The overtaking moves pulled alone must make the insurance observers cringe.

A 2k excess is nothing compared to what most bikes and gear cost.

Yes, trackday cover will be stopped, unless something changes and that ain't gonna happen.

[rocketman1]

What is the point in having damage insurance on your bike unless its worth over about $12K
The premiums are about 800-$1000 pa.
If you figure you are a safe rider take out your own insurance . Ie Put that money in the bank an in 10years you will have about $12000 (with Interest) and that will pay for most cosmetic damage, if you happen to fall over, or it will buy you another bike..

You will still need third party, fire & theft costs about $200.
Just a thought..
Now if you own $30-40K Ducati or a Aprilia or some thing can understan the need for full insurance, just the fairings must cost $5-6K, more than the average Jap bike

[bane]

What is the point in having damage insurance on your bike unless its worth over about $12K

Have you seen those Star Insurance right offs?

e.g. $6k Hyosung has low side, repair bill $12k!!!
admittedly that is with OEM parts, but most people like to keep their bikes original where possible.

My bike for instance, 3rd party fire and theft $220. Fully comp premium $360.... new fairings $5k. Good value if you ask me.

[Japtwin]

Serve u right for insuring ur bike dipshit