I have been thinking about having my first track day, but my biggest concern isn't the prep work for the bike, I want to know if in the event of a crash, insurance companies would pay out for it.
I called my insurance company today (I have Esurance) My policy is for full coverage.
I checked my policy, but unsure i called my agent. The agent i spoke with wasn't able to give me a straight yes or no answer because it was kind of a gray area in the terms of coverage in my policy.
Word for word my policy states:
Your insured vehicle is excluded if:
a: used in any unlawful trade or transportation
b: used for a commercial purpose
c: being operated in or planning for any:
-race
-speed contest
-hill-climbing contest; or
-performance contest of any kind
We both interpreted this as saying "As long as you are not racing or participating in any kind of competition, you are insured"
Do you guys agree? What experiences have you had with insurance companies and tracks?
Is use of the track defined as racing, or simply just use of the track?
Thanks in advance
I called my insurance company today (I have Esurance) My policy is for full coverage.
I checked my policy, but unsure i called my agent. The agent i spoke with wasn't able to give me a straight yes or no answer because it was kind of a gray area in the terms of coverage in my policy.
Word for word my policy states:
Your insured vehicle is excluded if:
a: used in any unlawful trade or transportation
b: used for a commercial purpose
c: being operated in or planning for any:
-race
-speed contest
-hill-climbing contest; or
-performance contest of any kind
We both interpreted this as saying "As long as you are not racing or participating in any kind of competition, you are insured"
Do you guys agree? What experiences have you had with insurance companies and tracks?
Is use of the track defined as racing, or simply just use of the track?
Thanks in advance
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