Motorbike Track Day Insurance

sarah_elton

My brother is itching to do a track day on his Suzuki GSXR-1000 (my mum and I won't be watching!).

The only stumbling block is insurance. Obviously his regular insurance doesn't cover it. You can get track day insurance for £20-25, but it doesn't cover damage to the bike itself. His bike is only 6 months old and cost about £9k and he can't afford to replace it if he writes it off (assuming he's still in one piece himself).

He's phoned his insurer who will cover him for the day, for £180, which is more than he wants to pay.

Does anyone know of any other options open to him?

Obviously it's a high-risk thing to be doing so I understand the high premiums. Just wondering if we can get it down somehow.

*MF*

Hi ...

This is total speculation, ok - but phone the track organisers and see if they can help, or though them contact other participants. Your brother won't be the first to hit this problem.

Hope that (maybe) helps - and that both he and the bike survive.

missile

He might want to consider hiring a bike. It really is one of the safest places to ride a bike - there are no car drivers to pull out in front of him.

sarah_elton

missile wrote: »

He might want to consider hiring a bike. It really is one of the safest places to ride a bike - there are no car drivers to pull out in front of him.

Well, I thought that, but then this is the brother who went to the Isle of Man with a group of friends on bikes for the TT, and "took a corner a bit hot" while driving the racing circuit, and slid sideways into a pub carpark which fortunately happened to be on the corner, rather than a cliff edge like a lot of the other corners! He didn't come off, just skidded impressively. And that was on his 600cc bike IIRC.

I think he really wants to get his bike out there and open it up, so even hiring the same model doesn't have the same appeal. I'll mention it again though, and get him to try the track day organisers.

BenL

My g/f brother did a track day the other week and didn;t bother with insurance.

Came off his bike, £150 in parts to get it driveable, £4000 in cosmetic damage and £1500 in leathers and helmet.

He's not a novice rider or trackday participant. Luckily he was fine with no injuries.

He, his brother and her ex husband are always breaking bikes and themselves - ankles, arms, shoulders all done in the last few years between them.

missile

The problem is your brother will find it very addictive and once he does one he will want to do a lot more.


I have done a few track days, IoM and Nurburgring.

dacouch

£180 for track day cover seems a fairly good price to me providing their are not any silly exclusions

lisyloo

You can get track day insurance for £20-25, but it doesn't cover damage to the bike itself

What does this cover?
Yourself (personal accident)?
or others (3rd party)?

If you have a link or company name that would be handy.

Personally I think I'm more bothered about 3rd party liability than bike or personal accident.

Although my understanding is that I would only be liable for negligence as everyone signs a disclaimer that they understand they ar taking part in something inherently dangerous.

missile

There are some really strange people who turn up at track days. When I was last @ Knockhill, I was told about some jerk who turned up hired a bike, zoomed out of the pits and crashed @ the first corner. On investigation they discovered he did not have even a provisional license.

Your are supposed to show your license, but in my experience most event organisers are quite lax about checking.