Insuring your bike for track days.

[FROSTY:Me]

Guys n gals I've been asked about bike insurance cover whilst on the Taupo Track
Specificly during a KB track day.
Once again please let me cover this off once and for all
Insurance cover /exclusion is the responsibility of the individual rider to organise.
However as I have made VERY clear in the past
The Kiwibiker trackday in no way is or ever will be a RACE meeting, pacemaking, a reliability trial, speed testor a timed EVENT.
What that means in plain english is I (AS EVENT ORGANISER) cannot/will not run a RACE meeting or in any way run timing equipment of any sort.
I cannot however control the actions of any individual who chooses to use HAND HELD timing equipment such as a stopwatch.
I will be forced to ask that said timing desists -SHOULD I SEE THE TIMING TAKING PLACE

As with EVERY track day I have ever run there will be specific 1 on 1 rider training taking place during the day.

From day one I have made it clear that my trackdays are for the specific purpose of improving your individual riding skills in a safe,controlled enviroment. As such you could say they have always been rider training days.

Anyone unsure how they individually stand in regards to this needs to contact their insurance company.

On a personal note I would like to meet with the undewrighters of any insurance company that elects to decline cover --

[Cibby]

Thanks for this Frosty.

[El Dopa]

I'm still trying to work out if I can go or not. However, this is what my insurance company (Swann via Kiwibike) has asked for from me. Might be helpful for someone else.

Can you give some additional details, the insurer will look at covering rider training days on the track.
They need to know who will be providing the instruction ,the dates and the who are the organisers.
I know this is a hassle but is is important for the insurer to have the info, this way they can approve the day and have it noted on your policy, this way in the event of a claim there is no hassle.
Track days as a rule, without a formal training structure are not covered and this area is a difficult one for insurers as there is no set policy written in the insurance policy
We have adopted the approach of applying to the insurers on a case by case situation

I assume that it would be ok to give Frosty's name as the organiser.

The name(s) of the instructor(s) is a bit more difficult though. Are there riders who will be doing this semi-formally on the day? Is there a pool? Are they going to be allocated to people?

[FROSTY:Me]

ED--Id apreciate hearing from le insurance bloke if possible

[El Dopa]

ED--Id apreciate hearing from le insurance bloke if possible

I'll pass on the request. He's a broker and can't make the decision for the company though.

[El Dopa]

ED--Id apreciate hearing from le insurance bloke if possible

E-mail sent. Let me know if you don't receive it.

[Tim_F]

Hi Frosty. Thanks indeed for your efforts. I have always assumed that I was uninsured on the track, but when I read out your comments to a representative of my insurer (AMI), they seemed comfortable with the organisation of your track day. I have faxed a copy of your comments to them and await final confirmation. However, I have one question: If an uninsured rider falls and accidentally takes out an insured rider, would it not be possible for the insured rider's insurance company to try to extract restitution from the uninsured rider? I know this would be a sucky thing for the insured rider to do. The insured rider should just admit sole responsibility to his/her insurance company, pay the excess and get on with life. But could it turn out differently? Thanks Tim.
PS. I humbly apologise if this possibility has been addressed elsewhere. Perhaps you could point me in the right direction.

[Racey Rider]

The question was addressed in this thread from post 16.

Basically, those of us on race bikes are screwed if we cause damage too an insured bike at a track day.

SUBROGATION you know!

[Tim_F]

Thanks RR. Appreciate the direction. I did start reading that thread a while ago but must have drifted off or something. Complex business. I think I have a much better understanding now.

[Fishy]

I asked this question a while back with Star Insurance.........

Me......

A couple of people have let me know about a couple of track days coming up at Taupo with a couple of open days at Pukekohe before then, not race days just track days. My question is am I covered for insurance on a track day? I know it won't be on a race day but what about track days?

Star Insurance

Provided you are doing a proper driver safety course taken by instructors your fine, but if this is not the case there is no cover and of course no cover when racing.

Me.....

The track days that are coming up are just days where you can get out on the track and get some experience in 3 different groups novice, intermediate and experienced. I don't think that they are lead by an instructor of any sort just riden at your own pace.

Star Insurance...

In these circumstances there would be no cover

[kiwifruit]

Star Insurance...

In these circumstances there would be no cover

Wtf

[Fishy]

Wtf

I know thats what I said

Thats why I don't do track days.

[kiwifruit]

hmmmm
thats not what my insurance rep has told me (im insured with star too)

[Fishy]

hmmmm
thats not what my insurance rep has told me (im insured with star too)

I got that info direct from the GM at Star....
Philip Newall
General Manager - Star Insurance
Ph. 09 250 6000 \ 0800 96 8000
Fax. 09 250 6001
PO Box 97954, South Auckland Mail Centre

[Cibby]

to all you bunnies insured with Star,

I am awaiting final confirmation that Frosty Track Days will be covered, they are going to Lumleys to get final sign off on this so i can have something in writing to pass along to you all.

Basically, Pukekohe track days and open days are not covered. If you are under the formal instruction of a qualified instructer then yes... Frosty Trackdays should be ok

The intention of Insurance is to cover you if you are on a specific training course not to have a blat around Pukekohe..

To be updated when i hear back from them for this weekend.

Cibby