Track Days - ZX6R Forum
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post #1 of 17 Old 08-03-2016, 04:29 AM Thread Starter
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Hey guys

I am looking to take my ZX6R to my first track day but can't decide weather to get track day insurance or not??

My normal insurance doesn't cover track use so I don't know weather to take the risk or pay for the extra cover?

Any thoughts and tips??

Cheers
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post #2 of 17 Old 08-03-2016, 04:49 AM
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Have you called your insurance and checked? Mine covered it as long as it was not a timed event. If you are really good at sweet talking you may be able to get them to call it advanced riding training.

If none of that works, I don't think I would ride uninsured. Risk not worth reward to me.

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post #3 of 17 Old 08-03-2016, 05:22 AM
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You have that option??....that'd be nice. My insurance doesn't cover track days at all. I've already tried.

I do it anyway. Totally worth it IMO. I've done probably a combined 50 track days + race days in the last 5 years.
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post #4 of 17 Old 08-03-2016, 07:04 AM
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My insurance never would cover the bike on the track. So I never cared. Just rode it.
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post #5 of 17 Old 08-03-2016, 07:06 AM
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If I had the option I'd probably pay for it. Especially in the beginner group. You don't know how people are going to behave.
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post #6 of 17 Old 08-03-2016, 11:40 AM
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I wonder how much money a startup insurance Co could make insuring at a track only. Mmm there has to be a reason they don't do it though. Or every insurance company would be doing it.
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post #7 of 17 Old 08-03-2016, 11:58 AM
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If I had the option I'd probably pay for it. Especially in the beginner group. You don't know how people are going to behave.
I'd be more concerned with B groupers.... Beginner group riders are far more predictable.

It's those "meat grinder" B-groups that are a little scary.
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post #8 of 17 Old 08-03-2016, 12:02 PM
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I didn't bother to check. I just went.

Plus you're alot safer on the track than the street. You're in controlled environment. Now if you crash most likely you screwed up and unless some dumb ass messed up brought you down but those chances are unlikely in the beginner group.

Go out there and have fun

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post #9 of 17 Old 08-03-2016, 12:14 PM Thread Starter
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Cheers guys,

Yes I think I'd be more worried about some other idiot crashing into me!!

I certainly look forward to getting out on a track :-)
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post #10 of 17 Old 08-03-2016, 12:32 PM
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Cheers guys,

Yes I think I'd be more worried about some other idiot crashing into me!!

I certainly look forward to getting out on a track :-)
There are major benefits to doing track days. I only did 2 because. Well because I don't want to track my 2013 really. I want to get a dedicated track bike. But it's an amazing experience and never ending chance to learn all you can about your abilities and the machines and how to apply what you have learned. Enjoy!!
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post #11 of 17 Old 08-03-2016, 01:30 PM
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I wonder how much money a startup insurance Co could make insuring at a track only. Mmm there has to be a reason they don't do it though. Or every insurance company would be doing it.
A startup insurance company would go out of business quick if they did that. You'd need a big company like Geico, State Farm, Progressive, etc. that has the money to support that. Even then, they would probably end up paying out more than they make each year, unless the premiums would be outrageously expensive.

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post #12 of 17 Old 08-03-2016, 01:42 PM
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i have done a few track days ,i just enter at my own risk,if i bin it then shit happens as i did a few weeks ago at snetterton ,,broke a clipon .brake lever and rear set BUT it had a track day fairing on witch got scratched to fuck as it low sided but now in the garage being fitted back together

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post #13 of 17 Old 08-03-2016, 02:44 PM
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Cheers guys,

Yes I think I'd be more worried about some other idiot crashing into me!!

I certainly look forward to getting out on a track :-)
Im not sure about your insurance system, but if i could get one for the track - i would. Fast as hxxl. The expensive thing is not the bike, the expensive stuff is if you get run into, or run into someone and you get hurt. Since the basic rule mostly is "Everyone pays for themselves", someone crashing into you putting you in a wheelchair for a couple of months would not have to give you a cent, but you would still loose a LOT of money being home from work, paing painkillers and rehab. If you can get a insurance to cover YOU (your bike is not important here, at all) on the track, get it, and get it fast. If you have such an insurance, make sure you get it in writing that it will cover you on trackdays. It has happened too many times that a seller on the phone says "Yes, ofcourse you are protected on the track!", something happens, and there is a exception for "extreme sports like snowboarding, skiing, inline skating, driving on a closed cirquit" and so on, and they are screwed.
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post #14 of 17 Old 08-03-2016, 03:29 PM
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Im not sure about your insurance system, but if i could get one for the track - i would. Fast as hxxl. The expensive thing is not the bike, the expensive stuff is if you get run into, or run into someone and you get hurt. Since the basic rule mostly is "Everyone pays for themselves", someone crashing into you putting you in a wheelchair for a couple of months would not have to give you a cent, but you would still loose a LOT of money being home from work, paing painkillers and rehab. If you can get a insurance to cover YOU (your bike is not important here, at all) on the track, get it, and get it fast. If you have such an insurance, make sure you get it in writing that it will cover you on trackdays. It has happened too many times that a seller on the phone says "Yes, ofcourse you are protected on the track!", something happens, and there is a exception for "extreme sports like snowboarding, skiing, inline skating, driving on a closed cirquit" and so on, and they are screwed.
Don't you have health insurance that would cover medical costs? I know my auto/motorcycle insurance won't cover a dime if I crash on the track, but anything medical related will be covered by my health insurance.

I guess I can't say i'm 100% sure on any of this as I've never put it to the test, but I happen to break a leg during a crash at the track, the health insurance or doctor don't need to know where or how it happened. "I fell down the stairs" for all they know

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post #15 of 17 Old 08-03-2016, 03:36 PM
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Be careful how you WORD the question, Novice groups can be consider training.

Normally passing is done only on the straight's and NONE in the corners.
The only accidents or damage to a bike was done with a novice trying to go faster bumping to Intermediate. The rest were just drive off's the track and no harm no foul.
Moto-Series gave a safety certificate and my insurance took 10% off.
The agent asked was this a timed event, NO.
Any awards or trophies, NO. Yes it was covered.
Worst case take bike any where else and you drove off the road.

Safeco is my carrier.
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