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

mig1199 · Mar 14, 2013

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!

Feel the same way! +1

emem · Mar 15, 2013

Gavin D said:
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

Thanks Gavin! If I end up doing a course I'll definitely check. Thanks for the heads-up

I may enquire again about track use as other members clearly are covered or can get coverage although this may be different in Aus.

If I was covered, I'd be doing track days for sure

Denver Rick · Mar 15, 2013

Just a note on the fact this is made to be a "race" bike. I disagree. It is a production street bike (see lights and mirrors) made for a type of riding, that certainly borrows much from race bikes. But I am not a believer of the idea that the bike was made to race, or any similar argument. It is a sport bike, not necessarily a "race" bike. I find much more enjoyment running fineness turns in the mountains than high speeds. A powerful sport bike is the most enjoyable bike to do that on. I have no need to see what the bike can do or push it to its limits. Just as I have no need to max out the capabilities of any car I own. I like that it can do so much more than me, that way I know I don't need to worry about its limits, only worry about mine. Not trying to burn anybody, just want to make the point that some of us have a different view of sport bikes. I'd say far majority never track them. Not to say I wouldn't love to, but also not like I "mistakenly" purchased a race bike to ride on the street.

Now I would agree that there are many more risks on the road than a track. Though the point of the track is to push it, so I can see an increased drop possibility, though still much safer. But I'd also agree it is always prudent to insure anything you are not willing to easily pay for out of pocket. I'm not a big gambler.

youngR · Mar 15, 2013

Denver Rick said:
Just a note on the fact this is made to be a "race" bike. I disagree. It is a production street bike (see lights and mirrors) made for a type of riding, that certainly borrows much from race bikes. But I am not a believer of the idea that the bike was made to race, or any similar argument. It is a sport bike, not necessarily a "race" bike. I find much more enjoyment running fineness turns in the mountains than high speeds. A powerful sport bike is the most enjoyable bike to do that on. I have no need to see what the bike can do or push it to its limits. Just as I have no need to max out the capabilities of any car I own. I like that it can do so much more than me, that way I know I don't need to worry about its limits, only worry about mine. Not trying to burn anybody, just want to make the point that some of us have a different view of sport bikes. I'd say far majority never track them. Not to say I wouldn't love to, but also not like I "mistakenly" purchased a race bike to ride on the street.

Now I would agree that there are many more risks on the road than a track. Though the point of the track is to push it, so I can see an increased drop possibility, though still much safer. But I'd also agree it is always prudent to insure anything you are not willing to easily pay for out of pocket. I'm not a big gambler.

Its all personal preferences for sure. Different people buy/ride/drive for different reasons/purposes and even different categories of "fun" which maybe at the track or back roads in the mountains.

Have you tracked our bike before? I am assuming no. It is a risk for sure, but then again, we are all assuming risk every time we put our leg over the bike.

Denver Rick · Mar 15, 2013

youngR said:
Its all personal preferences for sure. Different people buy/ride/drive for different reasons/purposes and even different categories of "fun" which maybe at the track or back roads in the mountains.

Have you tracked our bike before? I am assuming no. It is a risk for sure, but then again, we are all assuming risk every time we put our leg over the bike.

I would love to track it. But there are several reasons I currently don't. One, I don't like the hassle of making the bike tradk ready. My wife and I are short on time. There is also the insurance issue, it would have to be covered. And to double my insurance risk, last fall both mine and my wifes bikes were totaled (Triumph 675 and Aprilia RSV4) within months of eachother. So even if insurance did cover track day, if another bike on our policy gets destroyed, I'm certain we'll be dropped from insurance. And in general, my wife and I are just not real speed demons and like the bikes for other reasons. If I did track, it would be more to work on perfect lines and turns in a worry free environment (trafic, gravel, pot holes and such). And I CERTAINLY get the desire to track, I just get a bit defensive when people start telling me what my bike's purpose is, when would argue it is actually made for what I do. I don't need to tape stuff off, take parts off and change coolant to do what I do.

Trauma · Mar 15, 2013

Denver Rick said:
I would love to track it. But there are several reasons I currently don't. One, I don't like the hassle of making the bike tradk ready. My wife and I are short on time. There is also the insurance issue, it would have to be covered. And to double my insurance risk, last fall both mine and my wifes bikes were totaled (Triumph 675 and Aprilia RSV4) within months of eachother. So even if insurance did cover track day, if another bike on our policy gets destroyed, I'm certain we'll be dropped from insurance. And in general, my wife and I are just not real speed demons and like the bikes for other reasons. If I did track, it would be more to work on perfect lines and turns in a worry free environment (trafic, gravel, pot holes and such). And I CERTAINLY get the desire to track, I just get a bit defensive when people start telling me what my bike's purpose is, when would argue it is actually made for what I do. I don't need to tape stuff off, take parts off and change coolant to do what I do.

And you can always go to a 1-2 day class and use their bike, an option that all need to be aware of. It will make you appreciate your Pani all that much more when you come home!

anthem · Mar 15, 2013

ChamMTB said:
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.

Actually in the US, there are some insurance companies that cover track usage as long as its not a timed/competitive race. For what reason they cover such things - I have no idea, but its only a marginally more expensive than insurance companies that don't cover it. I would guess that you would only be allowed one or possibly two instances of it before you get dropped.

And yes, agreed 100% on insurance fraud.. . For whatever reason people always feel like its "ok" to cheat a company but not another person.

gman74 said:
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.

I agree with all of this. But there are many who buy things just for how they look and never take advantage of that (ferrari's/porsche never driven on track/fast, etc etc). These bikes are the same way. Many people buy it because of the cool/bling/look factor. If you did - so be it - not a big deal either, its a great looking bike.

Denver Rick · Mar 15, 2013

Trauma said:
And you can always go to a 1-2 day class and use their bike, an option that all need to be aware of. It will make you appreciate your Pani all that much more when you come home!

I have a very large desire for a Code class if I'm ever in a location that has one.

Trauma · Mar 15, 2013

You don't have to track your Pani to enjoy it - that's nuts. And proof of that is all over this forum. I would be sorry to sitting one in a living room/garage museum, but at least it is being appreciated.

anthem · Mar 15, 2013

Trauma said:
You don't have to track your Pani to enjoy it - that's nuts. And proof of that is all over this forum. I would be sorry to sitting one in a living room/garage museum, but at least it is being appreciated.

I agree, but using your logic - if I had bought one and just put it in my living room - it wold be being appreciated as well.

Trauma · Mar 15, 2013

anthem said:
I agree, but using your logic - if I had bought one and just put it in my living room - it wold be being appreciated as well.

Yes - I'm just saying the Pani is both beautiful/fast just sitting there. And if that was it's life, at least it would be appreciated to a degree - not hidden away and never ridden. And I used to keep my ZX7R that I rarely rode in my livingroom (I'll find a pic), and btw, my ZX11 was in the entry hall. I just rode it right out the front door!

rm4two · Mar 15, 2013

emem said:
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.

+1000

anthem · Mar 15, 2013

Trauma said:
Yes - I'm just saying the Pani is both beautiful/fast just sitting there. And if that was it's life, at least it would be appreciated to a degree - not hidden away and never ridden. And I used to keep my ZX7R that I rarely rode in my livingroom (I'll find a pic), and btw, my ZX11 was in the entry hall. I just rode it right out the front door!

And I agree with you. . . I have some cars I only drive but a few times a year as well. . . Just saying - there are no bounds to how or why people enjoy the things they do. .. . I have zero problems with that.

I think some people have issue is that they talk a big game but never really do anything with it which is what gets some in trouble. There are people who do a lot and talk very little and people who do very little and talk a lot. That being said - most here aren't going to do anywhere as what this bike is capable of. And you aren't going to be the top dog on the bike - unless you're Troy Bayliss or something. . .

Kuroshio · Mar 15, 2013

Depends on your carrier if track days are covered. I'm fairly certain my insurer, Rider Insurance, covers non-timed / non-competitive track days. Least I remember a conversation with a claims rep stating that. And I've heard one of the big name carriers does as well.

I wouldn't track any bike without coverage unless it already had a salvage / reconstructed title. A salvage bike, who cares?

Trauma · Mar 15, 2013

Yup - people enjoy in their own way - I would never say have to track to enjoy! Saying this, still jealous as hell how/how much you enjoyed it!

capnjack52 · Mar 18, 2013

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!

+1

A mate at work kept nagging me to join him for a track day on my '03 ST4s. I kept finding excuses not to. Had never done one before and was content riding my ST on twisty roads wherever I could find them. The new Panigale changed my thinking. Included with the purchase was a free track day at Jennings GP. Approached this event with a lot of preparation - and trepidation. Yeah, insurance was a concern. From my Progressive policy exclusions: "... any riding activity conducted on a permanent or temporary racetrack, racecourse, or during any closed course event." Oh, well. Nonetheless, I just knew it was something I had to do at least once. And, very happy that I did! Even with keeping things tidy and, as someone else said, knowing that the bike was far more capable than I, it was an incredible, exhilarating experience. And I plan to do it a lot more. Although adapted for the road and an absolute joy for carving twisties, this is a thinly-disguised race bike and the track is its home. If you love it on the road, you'll REALLY love it on the track. Do yourself a favor and try a track day or a structured hi-perf course. Just once. You don't have to explore this bike's upper limits - most of us will never find them. But what you can explore, she will take you there and back safely. As for those other riders sharing the track with you, an aviation mantra applies: maintain situational awareness. You'll be fine ... and you'll have a blast. One more consideration: If money is an issue, the satisfaction you'll get for expenditures on this experience will absolutely outweigh that for bucks you drop on bling. No comparison. (On the other hand, if you've got dough to blow ... please proceed

)

Sloopy · Mar 24, 2013

Yes and what kind of rate did you get.

I am thinking of getting an R and need to figure out the insurance issues.

TransNone13 · Mar 24, 2013

Denver Rick said:
I would love to track it. But there are several reasons I currently don't. One, I don't like the hassle of making the bike tradk ready. My wife and I are short on time. There is also the insurance issue, it would have to be covered. And to double my insurance risk, last fall both mine and my wifes bikes were totaled (Triumph 675 and Aprilia RSV4) within months of eachother. So even if insurance did cover track day, if another bike on our policy gets destroyed, I'm certain we'll be dropped from insurance. And in general, my wife and I are just not real speed demons and like the bikes for other reasons. If I did track, it would be more to work on perfect lines and turns in a worry free environment (trafic, gravel, pot holes and such). And I CERTAINLY get the desire to track, I just get a bit defensive when people start telling me what my bike's purpose is, when would argue it is actually made for what I do. I don't need to tape stuff off, take parts off and change coolant to do what I do.

I just moved from CO and I miss it. You have PMP, HPR, IMI, ANNNND PPIR.

SOULRIDER · Mar 24, 2013

I'm not brave enough to track my Panigale.

I bought a dedicated track whore for ripping around, and flogging. I'd hate to throw my track toy down, but if/when I do it I will feel much better about the loss than if I were to do the same with the Panigale. I wouldn't make a claim on the bike if I dumped it at the track. That's just me.

Frosty · Mar 24, 2013

Trauma said:
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.

Insurance fraud, smart. Telling people about it, even smarter.

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

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