Would you track your Pani if it wasn't insured on the track?

Here's the wording:

Exclusions:
Exclusion 16 is replaced as follows: 16. To Bodily injury or property damage losses in excess of the minimum financial responsibility requirements, sustained while your motorcycle is used in, or in preparation or practice for: a) Any hill climbing exhibition; b) Any racing, speed contest, or stunting activity of any nature; c) Use in any competitive riding or use on a race track or race course unless participating in a motorcycle safety
course meeting the standards established by the Motorcycle Safety Foundation.

Knowing this, would you put your Pani on the track?

Yes, just have to trailer it roadside if you have a mishap on the track

Yes.

This is consistent with most, unless you ask for a rider that covers racing/track. But, you will pay for that.

If what I've heard is correct......a track day is a "learning/safety course". Unlike if you go CCS. Anyone know about this?

Yes, I have and will again.

None of my road bikes have ever been covered on the track, but I learned the hard way NEVER EVER LOAN YOUR BIKE TO A MATE AT THE TRACK no matter how well they ride!

I had an 03 GSXR 1000 that was destroyed at turn 4 Eastern Creek and it was only 4 months old, an expensive lesson (20 grand) not to mention the strain on a friendship.

Don't lend your bike at the track!

Ride within your limits if you can't afford to fix it!

If I'm on the track, I want to push myself and the bike to the limit and sometimes that means overstepping the mark.

No way am I taking my (when I get it!) Panigale on the track as here in Australia, it isn't insured for circuit use - at least I've never come across a policy that does.

If I wanted to ride track days, I'd buy a 600 for a few grand and push it to its limits never fearing I could be watching $33k tumble down the road.

@Zaster That's an oldie that insurance companies know all about. First place they'll call are track day operators. Ignore if you were being sarcastic!

@Cobra700 If we do a course such as the California Superbike School (I'm sure you were referring to) here in Australia, most insurance companies will cover you for that particular day (advanced riding/driving courses are seen as a positive, in this instance), so I'm not sure if you have it back-to-front or whether things are different in sunny Florida.

emem,

mate check the details on the cover. I think you'll find that insurance companies will only cover the first level of any course and not advanced or performance based even advanced braking courses!

That's been my experience in Australia

A girl I know years ago wrecked her Porsche 928 at a drivers event (not covered undeer her policy), towed it to a country road outside of town, and put in her claim - they paid.

Yes, I have tracked my non-insured bikes. It's part of the risk you take.

I believe my current insurance policy (foremost) covers track as long as its not racing. Haven't ever made a claim on the policy as its probably a one shot or not too many shots against it type of policy. Think about it - if they insure you, if you make a major claim even one time against the policy, they'll drop you on the second one after already jacking your rates up.

Ed

I only have theft coverage on mine, it's a track bike and I accept the risks associated with having to come out of pocket for repairs if I crash it.

zaster said:

Yes, just have to trailer it roadside if you have a mishap on the track

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There you go! At our tracks, the tow truck operators know the drill

That language is a grey area. You can always attempt to get pre-approval for a certain class and a confirmation it would be covered. Can't say I'd recommend the insurance fraud route. I do not track mine mainly for this reason as I am unwilling to crash it and pay out of pocket for repairs.

I would. I did call foremost before my first track day and spoke directly with the underwriters. They said as long as the bike was not being used in timed events, track days would be covered. I did get the name and noted date and time for confirmation were it to ever become an issue.

Prior to that I never in my wildest dreams realized that a bike would be covered.

I always have done and probably will do, however, my carrier insures bikes for trackways for only £99 per day. Probably worth the money but I have never looked into it.

zvez said:

I would. I did call foremost before my first track day and spoke directly with the underwriters. They said as long as the bike was not being used in timed events, track days would be covered. I did get the name and noted date and time for confirmation were it to ever become an issue.

Prior to that I never in my wildest dreams realized that a bike would be covered.

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Mine said similar. If not timed, or generally "competition" it would be covered. So worth a call.

You bought a bike designed for a specific purpose -to be raced or practiced in a race environment. I wouldn't track a Monster or a Streetfighter. (many have though) These were more designed for back road enjoyment. There are bikes designed for specific environments.
Though you may try, you might never experience how the Panigale can truly perform on HWY 1, HWY 101 or HWY 129. Why would you risk your "life" (insured or not) by trying to experience the abilities this bike can do on common back roads, highways, or other car infested pavements?
Most riders that have taken to the tracks come back saying riding on the street isn't quite the same. And they usually check up on being dangerous on the street.
With that said I do ride on the street too but feel like I am more apt to ruin my beautiful 1199s on the back roads around cagers. This wasn't my thought prior to track riding.
Some say buy a lesser bike for the track and keep your 1199 for the street. I say swap that theory. In my perfect world I'd have a second street bike like the Multistrada or Monster for the streets. But like some of you on here, I can't afford two different expensive bikes.
And as Antihero taught us, you can use a bike however you want on any roads. I just think that if you bought a "race" bike, you owe it to your curious purchase....what can this thing really do?...what was it really designed for? Don't let insurance dictate how you enjoy your purchase. If you are nervous of crashing, take an Advanced Rider School and learn how to ride the race line properly. Track riding isn't about speed, it's about proper race lines. Learn that, and speed is the product of properly riding the race line.
Try it once, you never know...you might like it!

They are never insured on track unless you buy track specific insurance - which is usually (at least here in the UK) horrendously expensive.

It's the risk you take. These people that two to the side of a road and then claim - that's not really helping our cause much is it?! Insurance for the road is dear enough.

zvez said:

I would. I did call foremost before my first track day and spoke directly with the underwriters. They said as long as the bike was not being used in timed events, track days would be covered. I did get the name and noted date and time for confirmation were it to ever become an issue.

Prior to that I never in my wildest dreams realized that a bike would be covered.

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+1 my insurance is the same.

gman74 said:

You bought a bike designed for a specific purpose -to be raced or practiced in a race environment. I wouldn't track a Monster or a Streetfighter. (many have though) These were more designed for back road enjoyment. There are bikes designed for specific environments.
Though you may try, you might never experience how the Panigale can truly perform on HWY 1, HWY 101 or HWY 129. Why would you risk your "life" (insured or not) by trying to experience the abilities this bike can do on common back roads, highways, or other car infested pavements?
Most riders that have taken to the tracks come back saying riding on the street isn't quite the same. And they usually check up on being dangerous on the street.
With that said I do ride on the street too but feel like I am more apt to ruin my beautiful 1199s on the back roads around cagers. This wasn't my thought prior to track riding.
Some say buy a lesser bike for the track and keep your 1199 for the street. I say swap that theory. In my perfect world I'd have a second street bike like the Multistrada or Monster for the streets. But like some of you on here, I can't afford two different expensive bikes.
And as Antihero taught us, you can use a bike however you want on any roads. I just think that if you bought a "race" bike, you owe it to your curious purchase....what can this thing really do?...what was it really designed for? Don't let insurance dictate how you enjoy your purchase. If you are nervous of crashing, take an Advanced Rider School and learn how to ride the race line properly. Track riding isn't about speed, it's about proper race lines. Learn that, and speed is the product of properly riding the race line.
Try it once, you never know...you might like it!

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GMan, these are pretty much in line with my thoughts. I'm not new to riding on the track and completely agree about it being more of a risk testing out what my Pani can do on the streets. I had to learn the harder way, after taking level 3 of Keith Code, I was futzing around on my 1000rr, continuing to practice what I learned. Enter, stop at work to get free flu shot, October, rains three days prior, hop on (cold) bike proceed to take onramp (posted 30mph) approaching 90mph. Hit decreasing radius (that I knew was there), pushed a little more and whoomp...there goes the front end. I was LUCKY, no curbs, no guards, light posts, signs. Just a big patch of tree bark and soft dirt (cause of the recent rains). Sliding on the asphalt, face down, I remember trying to dig my fingers into the ground to slow myself down, which was futile. Anyway, I ended up what felt like a pile of pillows when I stopped sliding. Really brought home "take it to the track". I knew I could bite it on the streets but never before did I take into account the cement wall, or poles or signs on poles or rails, curbs. Any one of those in my path on that day, could have easily broken my back in two if I hit it right.

My concern is not necessarily of myself on the track but with other riders and the what if's...what if someone spilled in front of me, and though keeping a safe cushion, bike did something ridiculous and ended up in my path, or conversely, someone following me too close and I brake with more force than the other rider anticipated and runs into me...these things play on my mind, especially when considering the cost of what we pay for these beautiful machines. I've made my decision to go ahead and do it but will not push it, I know my limits and have found in the past that I can keep it under control enough to not have any "oh ...." moments. Thanks guys for the support, suggestions and considerations.

ScrapperX said:

+1 my insurance is the same.

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Notice you are in Cali...who are you insured by?