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Does motorcycle insurance cover track days?
Zip around the race track with coverage made especially for speedsters like you.
Standard insurers steer clear of coverage for track riding. However, if you find yourself on the track, consider track-day options offered by specialty providers to protect you, your bike and your wallet.
Are track days covered by motorcycle insurance?
Most likely not. Riding on a track poses high risks to insurance companies. You’ll likely find an exclusion in your standard bike insurance policy against racing and track use.
However, some companies allow track riding in an educational setting with an instructor or if the event isn’t considered a speed or timed event.
What damage is covered by motorcycle track day coverage?
Get the protection you need so that you can focus on the thrill of track day alone. Coverage a track-day insurer typically offers:
- General liability. Pay for bike damage and medical expenses to other riders if you cause an accident.
- Professional liability. Damage or expenses stemming from professional advice or services, such as an accident caused by following coaching advice.
- Physical damage. Cover physical damage to your bike during a track event.
- Personal injuries. Get protection from accident injuries if your health or life insurance doesn’t offer the coverage you need.
- Inland marine. Keep your bike safe while you’re transporting it to and from the track.
- Transport trailer. Protection for your trailer in case an accident happens in route to an event.
- Excess liability. Protect yourself from liability claims or court cases if expenses add up to more than your general policy’s limits.
- Property damage. Cover damage to other tools and equipment you use on track day.
- Theft. Prepare ahead of time in case your bike is stolen. Standard insurers may cover racing bikes for comprehensive-only policies.
- Towing and cleanup. Certain specialty insurers offer towing services if your bike is out of commission and needs repairs. They may include debris cleanup as a free benefit or an add-on.
Where can I get motorcycle track day insurance?
To be sure you’re covered for a track event, find a specialty track insurance policy. However, you might get coverage with other insurers too:
- Standard bike insurers. If you’re not racing for money or points, you might get coverage from your standard insurer. Track coverage should be listed on your policy or in written communication from a representative. Farmers and State Farm might offer policies that cover track days, depending on your situation.
- Motorsports policies. Looking for a general motorsports policy might give you more options than motorcycle-specific track insurance. If you’re racing in speed or timed events, you’ll still need to ensure your policy covers those. Start with American Specialty for quotes.
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What to watch out for
While you might be itching to ride at the track, cover all your bases for bike insurance before you go. Situations to watch for:
- Standard policy exclusions. Standard bike insurers often exclude track day events in the fine print of your policy. If not, they may have specifics, such as offering coverage for events with instructors. You should review your policy carefully and make sure you understand coverage ahead of time.
- Track day policy exclusions. Even specialty insurers have exclusions, including covering instructed events only or protecting your bike in the paddock but not on the track.
- Event insurance requirements. Keep in mind that some events have their own requirements to protect participants, even though insurance isn’t legally required.
- Changes to personal or bike information. This policy type needs speedy communication if changes occur that could affect coverage, such as your contact information, new modifications or damage that could affect your bike’s value.
- High deductibles. Track day insurers may have a minimum deductible requirement that costs several thousand dollars, and some make that deductible fluctuate based on a percentage of the damage costs.
- Low maximums. Your dressed-up racer and its customizations might have a high value. So watch out for policies with a maximum amount that doesn’t cover your needs.
- Canceled events. You’ll most likely need to talk with a representative about getting a refund or transferring to a different event if your plans change last minute.
What should I do if I get in a motorcycle accident on the track?
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:
- Attend to medical needs. Get medical treatment for you or other riders involved.
- Remove your bike. The race may continue on without you. So you’ll need to get you and your bike to a safe location.
- Exchange information. If your crash caused damage and injuries to another rider or bike, exchange names, phone numbers and insurance policy details.
- Document the damage. Take photos of the marred bike and write down details about the incident for insurance purposes.
- Call or file a track-day insurance claim. Follow your insurer’s process for filing claims, ensuring that you report the accident within the company’s time frame for claims filing. You can review your policy or contact customer service if you’re unsure.
- Get a damage estimate. Your claims adjuster will coordinate with your schedule to view your bike’s damage and estimate repair costs.
- Receive your settlement. You should receive a settlement letter that proposes the amount your insurance company will pay. Once you agree, the insurer may send payment directly to the repair shop, by mail or directly to your bank account.
How do I file a claim for motorcycle track accidents?
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:
- Call a representative or go to the claims section of your insurer’s website.
- Enter details about the accident, such as the date, how it happened and damage incurred. You’ll also need your policy number.
- Send photos, damage estimates from a repair shop and any other documentation requested by your insurer.
- Allow one to two business days to speak with an adjuster.
- The adjuster may need further information or need to schedule an in-person visit to assess the damage, even if you already have estimates.
- Agree to an offer from your insurer to settle your claim, sign the paperwork and receive your payment.
How much would it cost to repair damage from a motorcycle track accident?
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 |
Bottom line
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.
Frequently asked questions about motorcycle track day insurance
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