When we did the Reduc Website, Marco and Jean spent quite a bit of time making sure there was no reference to racing or and competitive nature in the content. I think we even edited out pictures that showed more than two riders near each other on the track. This was all done for insurance reasons. The thing that scares me more than motorcycle insurance is health insurance. I'm 99% sure there's no reference to racing anywhere in my policy, but you never know what they'll do until the claim comes in. Forget about a silly $5000 repair bill, try a six digit invoice from a week's stay in the hospital. That will get all sort of adjusters looking at the papers.
Hmm... And I was wondering why I was paying 1200+ on insurance for a 01 929.... Think I just found the thread that explains it...
I have progressive and it states that any riding on a " closed course " is not covered. That could mean a race track, drag strip or even a closed off parking lot!
Yep , heard a lot of horror stories about that . That's one reason I backed off a bit doing trackdays this year , too many people willing to bin it around me it seemed . I've had 2 lowsides in 22 trackdays , one as minor as you can get on my 12th day and one highspeed that totaled the bike on the 18th trip to the track . State Farm at the time gave me no problem and even stated that was the place to be instead of the streets
Anyone every wonder why Monte never has a transmitter at the track and always asks if someone has set one up? Insurance baby that's right! He has said that before. As long as he, being the Trackday organizer, doesn't put one out there is no way to record speeds or times therefore non-competetive and a school. That's too cover us if this kindof thing comes up. It's like a insurance company saying they won't cover a drop while you're taking an MSF course.
Claim success Hey - why don't you guys just stop crashing? Seriously, I was at CMP about 5 years ago and lost the front back in the bus stop section. At a trackday, but don't remember who organized it. I took my bike home, then called in the claim. Stated clearly I was on a closed private paved course - participating in a skills improvement session - following an instructor - no idea how fast I was going. Very much avoided the R word. They came out and checked out the bike, then PAID IN FULL. Even cut me a check for retail price on parts - I bought it all myself and had enough left over to cover the deductable. Didn't even raise my rates.
2 crashes in 22 days is not that great. I did 12 days last year with 2 crashes, way to many. My goal was to get to zero this year. This year I did 19 days and 3 school days with zero crashes. Oh and I dropped a BUNCH of time while not crashing. Next year I see no reason not to keep my string of zero going.