I know most riders here have dedicated track bikes. My track ride is also a bike for the street, so I have it registered and insured.
I used to have motorcycle insurance with State Farm. In the list of exclusions from coverage was a statement along the lines of, "Incidents occuring on a closed course are not covered." OK, no help from SF if you total the bike at the track.
This year I changed to Progressive. In their policy, the relevant exclusion is, "Incidents occuring during racing, or a timed event, are not covered." I needed to talk to a Progressive rep anyway, so I asked her about that exclusion and what it meant for a track day. I had to explain what a "track day" was and she had to talk to a manager a couple of times. What it came down to was that as long as there was no competition, or timing, then the bike was covered.
Maybe I should get that in writing......
I used to have motorcycle insurance with State Farm. In the list of exclusions from coverage was a statement along the lines of, "Incidents occuring on a closed course are not covered." OK, no help from SF if you total the bike at the track.
This year I changed to Progressive. In their policy, the relevant exclusion is, "Incidents occuring during racing, or a timed event, are not covered." I needed to talk to a Progressive rep anyway, so I asked her about that exclusion and what it meant for a track day. I had to explain what a "track day" was and she had to talk to a manager a couple of times. What it came down to was that as long as there was no competition, or timing, then the bike was covered.
Maybe I should get that in writing......