Thread: Track Day / Track Bike Insurance

I've heard of some people getting their track bikes covered with their regular insurance. As long as it isn't racing I thing State Farm will cover them. I think one of the Canadian's on here crashed a track bike and got it replaced?

From what I remember State Farm stopped covering track days.

I had fire/theft on my track bike. There's no way I'd claim me wadding a track bike against insurance unless I totaled it. More than likely the increase in rates would only make it worth doing so a one time thing. That's as long as I could find a company that would be willing to cover such an activity in the first place.

What about personal injury?

Does you health insurance/disability cover you for track-day activities?

My health insurance at the time did.

I claimed my 954 on my insurance when I totaled it. Had to blackmale my agent to get it done though. The policy read that they would cover it unless I was racing, practicing to race or entered in a TT event. But he still tried to weasel out of it. I had some foresight and I had a buddy call on Monday after my wreck and got a quote on insurance and specifically asked my agent about riding on the track and he said he would be covered. I threatened to have to produce the tape in court if they did not pay. Pokers bluff, I did not have a tape. But he will not even put fire and theft on my current bike. Asshole!

Check the policy.

Health insurance will kick in (unless they have some clause otherwise) after the auto insurance is depleted. Which mine was $5K and the MRI was almost $6k

Originally Posted by 08silvercbr

I don't think they'd cover damage on the bike at the track, however to offer that information would be at your own descresion. (aka: I was screwing around in a parking lot) Insurance companies screw me over on a daily basis with my commission based job, so if I were to take a stab back I wouldn't feel bad about it but thats just me. I don't have bodily injury with my bike sense I have health insurance. If you have both, your bodily injury policy with your bike and regular health insurance end up fighting each other to determine who has to pay.

Well, I am talking about regular health insurance. Do they normally cover track-related injuries.

Originally Posted by DUX

Well, I am talking about regular health insurance. Do they normally cover track-related injuries.

In NJ, auto insurance does not carry over to cover motorcycle injuries, and there is no pip on motorcycle insurance. My health insurance covers me for injuries. At least I wasn't told there were any exlusions the last time I called to check.

The best thing to do is to check with your health insurance provider. There have been cases of some discrimination against "high risk activities" including, but not limited to, pasttimes such as motorcycling, horseback riding, sky diving, etc.

Originally Posted by HondaGalToo

In NJ, auto insurance does not carry over to cover motorcycle injuries, and there is no pip on motorcycle insurance. My health insurance covers me for injuries. At least I wasn't told there were any exlusions the last time I called to check.

The best thing to do is to check with your health insurance provider. There have been cases of some discrimination against "high risk activities" including, but not limited to, pasttimes such as motorcycling, horseback riding, sky diving, etc.

yup always call to check. in MA you're required to pay PIP for your motorcycle but the law also states you aren't entitled to the benefits of that coverage. For me its only $5 a year but its the principle of it. I also added $10000 in medical coverage to my bike insurance. So I have that plus my regular health insurance. no idea if that would pay for an on track accident though, maybe I should go and ask them. I doubt it though since MA insurance laws are all screwed up.


I've ridden with Lean Angle Performance at NHMS and they require you to provide proof of health insurance. I also read on TPMs site that you have to provide health insurance info for their days also.

Originally Posted by HondaGalToo

In NJ, auto insurance does not carry over to cover motorcycle injuries, and there is no pip on motorcycle insurance. My health insurance covers me for injuries. At least I wasn't told there were any exlusions the last time I called to check.

The best thing to do is to check with your health insurance provider. There have been cases of some discrimination against "high risk activities" including, but not limited to, pasttimes such as motorcycling, horseback riding, sky diving, etc.

I feel for you in NJ. I spent 5yrs there.

The auto insurance was

I carry insurance on the RC mainly for theft.

Originally Posted by 08silvercbr

Yes I'm sure they would. "stupid" is still covered

Don't count on it. Be sure to check, check often (things change at will, especially if it is through work), be specific, and document it. People get screwed out of coverage every day because they fit an exemption that they were never told about, and if it is through work, odds are you'll never be able to see what is covered.

Originally Posted by slickwill

I've heard of some people getting their track bikes covered with their regular insurance. As long as it isn't racing I thing State Farm will cover them. I think one of the Canadian's on here crashed a track bike and got it replaced?

It would pay to check, because things can be different state to state. My SF agent said I would be covered on-track as long as it is not competitive (timed is sometimes used as definition) for my street vehicles. I also asked about getting fire and theft for my track only bikes, and was very clear about how they would be used. He quoted me a "recreational vehicle" policy that included several things including repairing crashes. I challenged him on that and he said it was covered.