For those of you that ride on track only

[tommymac]

One track org up here classifies themselves as a school so Ihave heard you could get money back if you crashed because its instructional. Never realy looked into it though.

[OreoGaborio]

Originally Posted by tommymac

I ride both but have a dedicated track bike that I do not have insured.

What he said... I don't insure my race bike

Originally Posted by tommymac

One track org up here classifies themselves as a school so Ihave heard you could get money back if you crashed because its instructional. Never realy looked into it though.

Also correct...

If you do track days with your street bike, your insurance agent will PROBABLY tell you that you're covered if something happens if you use the educational, non-competitive environment approach. It doesn't have to be labeled as a school. The organization I work for explicitly says that we're not due to liability reasons, but our customers haven't had any problems that I know of with insurance after a mishap..... but absolutely consult with your agent to find out for sure as everyone's insurance carriers are different.

Now if you're only doing track days with a dedicated track bike, you MIGHT get away with doing the same, but again, you'd really have to consult your agent.

Me, I don't bother, as I said. I pitched my SV down at over 100mph early in the season & repaired it outta pocket. If I insured it and claimed damage, I'd probably be paying a LOT more in premiums than I do in repairs at this point.

[the chi]

Since technically I dont ride street anymore, I figured I might chime in. I keep mine insured, and while I paid for my repairs out of pocket when I crashed, most of my buddies claim "educational" course and the insurance companies pay out for their repairs.

[101lifts2]

Originally Posted by The Chi

.... I keep mine insured, and while I paid for my repairs out of pocket when I crashed.....

That is making less sense by the minute...lol Track orgs make you sign a wavier that you are not responsible for anyone else's bike, nor their person. So..if you're not claiming it on your insurance, then why cover it?

[the chi]

Originally Posted by 101lifts2

That is making less sense by the minute...lol Track orgs make you sign a wavier that you are not responsible for anyone else's bike, nor their person. So..if you're not claiming it on your insurance, then why cover it?

1) because I am still paying on it and its required
2) because if I do crash and it will cost more than my deductible to repair, I can use the insurance
3)if I do take it out on the street, since it is legal, and I get my ass run over, its better to keep the insurance on it rather than let it lapse or reget it every time I decided to street it
4)its a personal choice and doesnt require your approval or make sense to you

[Amber Lamps]

Originally Posted by The Chi

1) because I am still paying on it and its required
2) because if I do crash and it will cost more than my deductible to repair, I can use the insurance
3)if I do take it out on the street, since it is legal, and I get my ass run over, its better to keep the insurance on it rather than let it lapse or reget it every time I decided to street it
4)its a personal choice and doesnt require your approval or make sense to you

Yea what she said!

[Amber Lamps]

Originally Posted by 101lifts2

That is making less sense by the minute...lol Track orgs make you sign a wavier that you are not responsible for anyone else's bike, nor their person. So..if you're not claiming it on your insurance, then why cover it?

Because she is only trying to be covered for a total loss like theft or a major crash. You obviously don't want to stroll into your insurance agents every month or so with $2,000 and under claims. Besides, she may still have a loan on the bike which would require full coverage. Make any better sense now?

Oops I didn't see your post Rae...