General discussion

Track-day insurance: what questions should I ask?

shiftlight Community starter · 1w ago · 264 views

New Member

MN Since 2026 6 posts

Rides a 2016 Honda CBR600RR

1w ago

Not looking for a specific insurer recommendation. What wording or exclusions should a first-timer clarify before assuming a normal motorcycle policy covers a non-competitive riding school?

Smooth is fast enough.

3 replies

S

sundaycanyon Community starter

New Member

OH Since 2026 3 posts

Rides a 2019 Kawasaki Ninja ZX-10R

1w ago

Ask in writing about closed-course use, timing, instruction, and whether the event is described as education or competition. Small wording differences matter.

#243 ♥ 1
K

kerbwatch Community starter

New Member

OR Since 2026 4 posts

1w ago

Also ask the organizer what medical coverage they require and what their waiver does not cover. Bike coverage and injury coverage are separate questions.

Smooth is fast enough.

#244 ♥ 2
L

latebraker Community starter

New Member

WI Since 2026 4 posts

Rides a 2023 Kawasaki Ninja ZX-6R

1w ago

Do not rely on a phone representative's casual answer. Save the policy language and written response for the exact event format.

Smooth is fast enough.

#245 ♥ 1