For those of you with track bikes,,,,,,, - Chicagoland Sportbikes
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Track Talk This forum is all about discussing riding and setup tips for different types of racetracks. As well as discussion about the local racing scene.

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post #1 of 31 (permalink) Old 07-25-2006, 12:08 AM Thread Starter
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For those of you with track bikes,,,,,,,

Track use only, not on the street.
Do you insure it? If so, which company?

Thanks!!
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post #2 of 31 (permalink) Old 07-25-2006, 12:16 AM
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The only thing I have is theft. That's pretty much all you really can get. (It's gonna be weird to make a claim when you go down racing! ) It's nice piece of mind when you're sleeping to know that you're going to get a new one if yours is gone from the track, trailer at the hotel parking lot at or whatever.

State Farm is my company and it's only about $150 per year. They are fully aware it's a race bike and has thousands of extras. All they said was. . . "Hang on to your receipts and maybe take some pictures."

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post #3 of 31 (permalink) Old 07-25-2006, 06:06 AM
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post #4 of 31 (permalink) Old 07-25-2006, 07:23 AM
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Theft only. There are companies that will provide coverage for all your tools. trailer, bikes, etc. (Ace Insurance Services) but it is VERY expensive.

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post #5 of 31 (permalink) Old 07-25-2006, 07:29 AM
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okay, let me elaborate on sponge's question.

The bike is being stored in my garage, but it's NOT my bike. We are really only interested in theft insurance when it resides inside my garage, the problem is that my insurance company will insure it if it resides in my garage and it's my property, but other people's property are not covered. Also, when towing the trailer (not my trailer) if we were to get rear ended by a uninsured motorist, who pays for the damage to the trailer and the contents of the trailer? does my uninsured motorist cover it? is there a limit? can I get trailer only insurance?

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post #6 of 31 (permalink) Old 07-25-2006, 07:52 AM
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I would personally ask your insurance agent for your protection. Yes you can get insurance on the trailer only, but I'm not sure they will replace what it's hauling. I think they only replace the trailer.

I know when I was looking to get a trailer for the bike the insurance wouldn't cover the bike when on the trailer,except thru the bike having full coverage. They would only cover what damage the trailer did to other property unless I carried the trailer insurance and then they would replace the trailer and any damage to property caused from the trailer.

I hope the above makes sense


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post #7 of 31 (permalink) Old 07-25-2006, 07:55 AM
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I know state farm will cover track damage. I asked them about mine and they said as long as it's not actuall racing you'd be fine. I know Doc that used to be on the board totalled his bike on the track and state farm accepted the claim.

Geewiz also called his insurance and they said they would cover it also.

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post #8 of 31 (permalink) Old 07-25-2006, 07:55 AM
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Quote:
Originally Posted by CHeYeNNe
I would personally ask your insurance agent for your protection. Yes you can get insurance on the trailer only, but I'm not sure they will replace what it's hauling. I think they only replace the trailer.

I know when I was looking to get a trailer for the bike the insurance wouldn't cover the bike when on the trailer,except thru the bike having full coverage. They would only cover what damage the trailer did to other property unless I carried the trailer insurance and then they would replace the trailer and any damage to property caused from the trailer.

I hope the above makes sense
im not putting full coverage on a track bike. I would only need comp, no collision, or liability, it's not on the street. the problem is that the other person's insurance will only insure plated motorcycles, this being a track bike doesn't have plates.

<-- Chris

turn the bars left and go right; that just isn't right
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post #9 of 31 (permalink) Old 07-25-2006, 07:56 AM
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what about people that carry other things on trailers? lawn equipment? small construction equipment, etc. They have to offer trailer insurance that covers the contents of the trailer? even with two bikes it would be hard for the contents to eclipse $10K

<-- Chris

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post #10 of 31 (permalink) Old 07-25-2006, 07:57 AM
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Quote:
Originally Posted by rdrash
I know state farm will cover track damage. I asked them about mine and they said as long as it's not actuall racing you'd be fine. I know Doc that used to be on the board totalled his bike on the track and state farm accepted the claim.
Geewiz also called his insurance and they said they would cover it also.
+2 on this! I also have State Farm and full coverage on my 600 Track bike... now if only I learned how to park in the pits correctly...

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post #11 of 31 (permalink) Old 07-25-2006, 07:58 AM
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post #12 of 31 (permalink) Old 07-25-2006, 08:27 AM
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Quote:
Originally Posted by CHeYeNNe
Call your agent
i did call my agent... and the other person called his. His insurance requires the bike to be plated, mine won't cover it in my garage because it's not my property. I think we have a solution for when it's in my garage, but what about when it's on a trailer? can I get insurance for a trailer? I mean, those that snowmobile, or ride ATV's or ANYTHING that requires a trailer, tow a racecar, etc. what do you when you don't have insurance on the item in the trailer?

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post #13 of 31 (permalink) Old 07-25-2006, 08:35 AM
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Quote:
Originally Posted by clearwaterms
im not putting full coverage on a track bike. I would only need comp, no collision, or liability, it's not on the street. the problem is that the other person's insurance will only insure plated motorcycles, this being a track bike doesn't have plates.
You need to plate/register it to insure it with SF. Think about it...why would they insure a bike with no registration that is only ridden offroad?
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post #14 of 31 (permalink) Old 07-25-2006, 08:36 AM
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FWIW...trailer insurance through SF was ~$25 for my 6x15 enlcosed. It covered the contents.
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post #15 of 31 (permalink) Old 07-25-2006, 09:49 AM
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Quote:
Originally Posted by clearwaterms
what about people that carry other things on trailers? lawn equipment? small construction equipment, etc. They have to offer trailer insurance that covers the contents of the trailer? even with two bikes it would be hard for the contents to eclipse $10K
Clearwater... hard to top $10k? Umm.. take a look in my trailer next time you are at the track.

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post #16 of 31 (permalink) Old 07-25-2006, 09:53 AM
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Quote:
Originally Posted by Wink
Clearwater... hard to top $10k? Umm.. take a look in my trailer next time you are at the track.
sorry, i meant on the shitty little trailer that I will be using, not that thing (that makes rednecks around the country jealous because there house isn't that nice) thing you have...

FYI, when I see your trailer, which is probably longer then my HOUSE, all I can think of is Wayne's world (WERE NOT WORTHY, WERE NOT WORTHY)

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post #17 of 31 (permalink) Old 07-25-2006, 09:56 AM
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Quote:
Originally Posted by Kruz
FWIW...trailer insurance through SF was ~$25 for my 6x15 enlcosed. It covered the contents.
did it cover the contents regardless where they were stored? if you stored your bike and trailer offsite in a locked garage, would it cover everything? in the event of theft?

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post #18 of 31 (permalink) Old 07-25-2006, 09:58 AM
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Quote:
Originally Posted by Kruz
You need to plate/register it to insure it with SF. Think about it...why would they insure a bike with no registration that is only ridden offroad?

Not true. Since I took a loan out for my dirtbikes I needed them to be insured. So the dirtbikes have full coverage. No plates or registration.

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post #19 of 31 (permalink) Old 07-25-2006, 10:36 AM
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Quote:
Originally Posted by clearwaterms
sorry, i meant on the shitty little trailer that I will be using, not that thing (that makes rednecks around the country jealous because there house isn't that nice) thing you have...

FYI, when I see your trailer, which is probably longer then my HOUSE, all I can think of is Wayne's world (WERE NOT WORTHY, WERE NOT WORTHY)
Hey! Team Redneck resents that!


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post #20 of 31 (permalink) Old 07-25-2006, 11:03 AM
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Quote:
Originally Posted by rdrash
Not true. Since I took a loan out for my dirtbikes I needed them to be insured. So the dirtbikes have full coverage. No plates or registration.
Makes sense...ATVs must be in a seperate category then.
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post #21 of 31 (permalink) Old 07-25-2006, 11:20 AM
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I have SF. They would insure my old racebike for theft and being in transit (ie inside teh trailer). Just no liability, collision and any on track damage. And my trailer insurance covered EVERYTHING INSIDE also during storage or being towed.
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post #22 of 31 (permalink) Old 07-25-2006, 11:59 AM
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I have USAA and when I had my trackbike I just had comprehensive insurance which would cover damage to the bike from fire or water or theft. The bike wasn't registered and the insurance company knew.

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post #23 of 31 (permalink) Old 07-25-2006, 12:07 PM
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Quote:
Originally Posted by Chills
I have USAA and when I had my trackbike I just had comprehensive insurance which would cover damage to the bike from fire or water or theft. The bike wasn't registered and the insurance company knew.
I tried to get the SV coverage changed to that..and they dropped my bike coverage (SV and Speed Four). I should check with Country to see about covering the SV.

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post #24 of 31 (permalink) Old 07-25-2006, 07:41 PM
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Quote:
Originally Posted by Kruz
FWIW...trailer insurance through SF was ~$25 for my 6x15 enlcosed. It covered the contents.
Me to for the trailer with no duductable (sp). Bike is another issue with allstate

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post #25 of 31 (permalink) Old 08-02-2006, 12:45 PM
BSB > WSBK > MotoGP
 
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Insurance for track bikes

Does anyone have coverage (theft, comp, etc) of some sort on their track-only bikes?

Jeff
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post #26 of 31 (permalink) Old 08-02-2006, 12:48 PM
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I don't own any "track only" bikes...

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post #27 of 31 (permalink) Old 08-02-2006, 01:08 PM
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post #28 of 31 (permalink) Old 08-02-2006, 02:16 PM
BSB > WSBK > MotoGP
 
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scout, thanks for the link; must have missed that thread recently.

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post #29 of 31 (permalink) Old 08-02-2006, 02:22 PM
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Dont ask your agent for a quote on a "Track" bike...its your street bike that is occassional used on a non-timed rider improvement course.
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post #30 of 31 (permalink) Old 08-02-2006, 02:29 PM
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