Insuring your bike for track days.

[Blackbuell]

For everyone's information i have been told by STAR INSURANCE you are covered at track days if you have a INSTRUCTOR WITH A I6 RATING TO TRAIN,as i have spoken to Frosty he hasn't,so if anyone is insured by Star insurance YOU ARE NOT COVERED FOR TD4 IN TAUPO ON 5th NOV,so i think we should find a instructor,put in a few bucks each & we are covered????

[Oscar]

Interesting.
I just located a Star Policy document: http://www.starinsurance.co.nz/Policy%20Wording.pdf and there is no exclusion specifically dealing with track days. There is a reference to "speed tests" being excluded but I would argue that merely having a fang around Puke is not a speed test unless timing equipment or actual racing was involved. There is also a specific exclusion dealing with "off road riding"* which may be applied to track days at it's widest interpretation, I suppose. Still, a pretty weak exclusion, in my professional opinion.

However, it's easy for me to say this, as any argument would obviously occur when the underwriter had the upper hand (i.e. refusing to fix a mangled wreck).

It is interesting to note that what the GM of Star is saying is at odds with what at least two of minions are saying on this very site.

I guess the moral is: BUYER BEWARE

[Oscar]

For everyone's information i have been told by STAR INSURANCE you are covered at track days if you have a INSTRUCTOR WITH A I6 RATING TO TRAIN,as i have spoken to Frosty he hasn't,so if anyone is insured by Star insurance YOU ARE NOT COVERED FOR TD4 IN TAUPO ON 5th NOV,so i think we should find a instructor,put in a few bucks each & we are covered????

Whereas I have no doubt that some Knob at Star did say this, I would be interested to know how they justify it. Where is this stated on their Policy Document??????

You've paid your end of the contract, why should they get to make up/change policy conditions on the fly?

Edit: If you are riding at the track day and insured with Star - ring them. "I am riding at a non-competitive track day where the bikes are separated, am I covered?" If they give you the instructor answer, ask them to direct you to the part of your policy that states this. Ask them to read the exclusion that applies. I would be VERY interested to know the answer....

[Cibby]

Interesting.
I just located a Star Policy document:

Clever boy

There is also a specific exclusion dealing with "off road riding"* which may be applied to track days at it's widest interpretation, I suppose. Still, a pretty weak exclusion, in my professional opinion.

However, it's easy for me to say this, as any argument would obviously occur when the underwriter had the upper hand (i.e. refusing to fix a mangled wreck).

It is interesting to note that what the GM of Star is saying is at odds with what at least two of minions are saying on this very site.

I guess the moral is: BUYER BEWARE

HOWEVER in saying that, I've just spoken to Phil at Star (Top bloke by the way)

and he is post Stars official position later today. Good news as well by teh sounds of it...

BLING TO STAR ALL THE WAY>

They get my "PROFESSIONAL" big thumbs up.

[Oscar]

Clever boy



You can aruge "off-road as long as you want but it is fairly basic, if you are not on a NZ registered road, then you are off it, in which case you can not be covered. You can try in argue your professional opinion as long as you like but it is fairly black and white..

I don't have to argue it.
NZ case law states that, where a policy wording is ambiguous, the benefit of the doubt goes to the insured. Additionally, the court will take into account the intent of the insured when they took at the policy. You may also care to reconsider your statement about "NZ Registered Roads", because if true, this means your bike isn't covered in your driveway....

[Postie]

if you haven't seen this already, read it, its good news.

http://www.kiwibiker.co.nz/forums/sh...ad.php?t=37956

also big ups to Cibby for personally getting on to Star, to force an answer for all that are insured with them.

[Ixion]

I don't have to argue it.
NZ case law states that, where a policy wording is ambiguous, the benefit of the doubt goes to the insured. Additionally, the court will take into account the intent of the insured when they took at the policy. You may also care to reconsider your statement about "NZ Registered Roads", because if true, this means your bike isn't covered in your driveway....

No such thing as a "Registered Road'. Land Transport Act defines "road" as , inter alia, any place to which the public has access, whether by right or not. Also includes any beach, and lots of other non-tarsealed stuff.

EDIT. From the Act, Sec t 2

``Road'' includes—
(a)A street; and
(b)A motorway; and
(c)A beach; and
(d)A place to which the public have access, whether as of right or not; and
(e)All bridges, culverts, ferries, and fords forming part of a road or street or motorway, or a place referred to in paragraph (d):
(f)All sites at which vehicles may be weighed for the purposes of this Act or any other enactment:

[Oscar]

No such thing as a "Registered Road'. Land Transport Act defines "road" as , inter alia, any place to which the public has access, whether by right or not. Also includes any beach, and lots of other non-tarsealed stuff.

EDIT. From the Act, Sec t 2

Exactly what I was getting at.
The use of an expression like "off road" in an insurance policy is stupidly ambiguous.

[FROSTY:Me]

well folks--starman has 100 persent covered it off for those insured with star insurance--If you aint with them and your insurance company gives ya shit--well --I know what I'd be doing

[El Dopa]

Frosty, have you talked to Dave Kiwibie/Swann at all? I passed on the details.

If Swann can't match what Star are offering, I know exactly what I'm going to be doing.

[El Dopa]

After bugging my broker for a week, I have it in writing from the underwriters at the insurance company that I am definitely insured for this track day as a one-off event.

If I want to do any other track days, I have to apply again.

[scott2ride]

Im a Broker and deal with most of the companies.

Chances are I can get you a better price and with better terms (such as a lower Excess or including Accessories etc).

Rest assured, not all policies are equal, and many people dont discover this until claim time, when it's too late.

If you need a quote or to discuss your cover, contact me on

Scott Wilson
Accredited Brokers (NZ) Ltd
DD 09-5284389
021740222
scott@force10.co.nz