Compare and save on motorcycle insurance
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Compare and save on motorcycle insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
To be sure you’re covered for track day, you’ll most likely need to find specialty track insurance. However, you might get coverage with other companies under special circumstances.
You’re not legally required to have motorcycle insurance for track day since you’re not riding on the streets. However, some events require riders to prove that they have insurance, especially for bodily injuries.
Get the protection you need so that you can focus on the thrill of track day alone. Coverage a track-day insurer typically offers:
While you might be itching to ride at the track, cover all your bases for bike insurance before you go. Situations to watch for:
If you get in an accident while racing, you’ll want to address the most urgent needs first before assessing the damage. What to do right after a track crash:
It depends on your insurer. Specialty insurers don’t always offer online claims and may require you to talk with a representative. Whether you’re filing online or by phone, take the fast track to settling your claim with these steps:
A track-day accident could land you with high expenses if you’re paying out of pocket. Tires, engine repairs and medical bills are costly — and your chances of an accident increase on the track.
Here are a few parts you might have to replace or repair, not including the cost of labor:
Type of damage | Replacement cost |
---|---|
Brake system | $150 – $300 |
Rear shocks | $80 – $300 |
Front fork | $50 |
Tires | $100 each |
Chain | $40 – $100 |
Carburetor | $50 – $200 |
Ignition system | $50 – $200 |
Battery | $50 – $75 |
Muffler | $50 – $300 |
Full engine rebuild | $3,000 – $7,000 |
While your standard bike policy probably won’t cover speed racing, you can compare multiple insurers who cover motorcycle track events. Plus, keep in mind that specialty insurers can include added benefits and coverage options to better fit your needs.
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