Track day insurance. - Triumph675.Net Forums
Home Forum Browse Members Calendar Register Today!  
New Posts Faq / Help? XBOX Live Modifications Classifieds
   
Not A Member Yet? Register today and become part of the community.
Go Back   Triumph675.Net Forums > Daytona 675 & Street Triple 675 Global Forums > General 675 discussion

General 675 discussion Anything related to the Triumph 675 model(s), and miscellaneous motorcycle talk.

Reply
 
Thread Tools Search this Thread Display Modes
Old 11-28-12, 16:19   #1
shouldnthave
BOTY Winner
 
shouldnthave's Avatar
 
Join Date: Oct 2012
Location: San Francisco
Posts: 2,257
Thanks: 0
Thanked 9 Times in 8 Posts
Default Track day insurance.

Hey gang,

As some of you know, I totaled my 675R this last weekend on the track. It's repairable, but "totaled" in the sense that any insurance company would just total and pay out.

I called Progressive, and lo and behold, they will not cover one cent of the damage. Because it is a track only bike, I couldn't just drive it to a parking lot and call them. They would really want to know where all of the DOT bits went I'm sure...

Mad as hell at paying a premium for a bike that was in not actually insured, I started to call around to all the major insurance companies wanting to move every insurable thing I owned. No one would cover a bike on the track though. That was until I found Einhorn Insurance (no, I do not work for them).

I called and told her exactly what I do with the bike. I told her that it does not ever ride on the street, and that I travel at speeds in excesses of 140 MPH. Donna didn't care in the least and gave me a reasonable quote. I have a fully insured motorcycle, not only that, I got to pick the full value of the bike. They are more than willing to cover every thing I have done to my motorcycle AWESOME!

The insurance I have also covers me if I were to ride on the street too. Not that I will, but if you are looking to have insured track days, live in California, and may also want to ride on the street, give Donna a call.

Donna Power
Ph: 619.908.1112 Ext. 2
Fx: 866.887.4644
www.einhorninsurance.com
License # 0F74625

She said they also work with a company in Texas too. So if you live there and are interested, call and she will point you in the right direction.
__________________
675R dedicated track bike.

My Girl: http://www.triumph675.net/forum/showthread.php?t=76881
Status: Offline
 
Reply With Quote
Sponsored Links
Advertisement
 
Old 11-28-12, 16:24   #2
Knolly
BOTM Winner
 
Knolly's Avatar
 
Join Date: Oct 2009
Location: Chicago, IL
Posts: 3,569
Thanks: 0
Thanked 14 Times in 12 Posts
Default

I have Progressive and was assured that they would cover track days as long as they were non-timed. Not surprised that's not the case though.

As I was reading through I thought I had found a new insurance company but then saw it's CA only, damn. Guess I'll have to do some searching for IL.
__________________
2009 Ninja 250 Track/Race Bike
2009 Triumph Daytona 675 - Sold - My Self-Indulgent Bike Thread
2008 Street Triple - Sold
Status: Offline
 
Reply With Quote
Old 11-28-12, 17:09   #3
pyroking339
Senior Member
 
pyroking339's Avatar
 
Join Date: Jun 2008
Location: Ann Arbor, MI
Posts: 940
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Quote:
Originally Posted by Knolly View Post
I have Progressive and was assured that they would cover track days as long as they were non-timed. Not surprised that's not the case though.

As I was reading through I thought I had found a new insurance company but then saw it's CA only, damn. Guess I'll have to do some searching for IL.
The place I work during the holidays has flyers for trackday and race insurance for cars. I feel like they might be willing to think about bikes. From the flyer, it looked pretty awesome. I'll share it the next time I can.
Status: Online
 
Reply With Quote
Old 11-28-12, 17:41   #4
shouldnthave
BOTY Winner
 
shouldnthave's Avatar
 
Join Date: Oct 2012
Location: San Francisco
Posts: 2,257
Thanks: 0
Thanked 9 Times in 8 Posts
Default

Quote:
Originally Posted by Knolly View Post
I have Progressive and was assured that they would cover track days as long as they were non-timed. Not surprised that's not the case though.

As I was reading through I thought I had found a new insurance company but then saw it's CA only, damn. Guess I'll have to do some searching for IL.
That is the exact thing I thought about Progressive. I was so freaking mad to find out I have been paying them all this time for motorcycles that weren't covered. Thank god I didn't need medical, or took out another rider Saturday.
__________________
675R dedicated track bike.

My Girl: http://www.triumph675.net/forum/showthread.php?t=76881
Status: Offline
 
Reply With Quote
Old 11-28-12, 18:10   #5
sittingturbo
Member
 
sittingturbo's Avatar
 
Join Date: Aug 2011
Location: San Diego, CA
Posts: 547
Thanks: 0
Thanked 0 Times in 0 Posts
Default

They would have to be stupid to cover me at the track...
Status: Offline
 
Reply With Quote
Old 11-28-12, 18:16   #6
dubguy85
Member
 
Join Date: Sep 2009
Location: Indianapolis
Posts: 333
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Quote:
Originally Posted by shouldnthave View Post
Hey gang,

As some of you know, I totaled my 675R this last weekend on the track. It's repairable, but "totaled" in the sense that any insurance company would just total and pay out.

I called Progressive, and lo and behold, they will not cover one cent of the damage. Because it is a track only bike, I couldn't just drive it to a parking lot and call them. They would really want to know where all of the DOT bits went I'm sure...

Mad as hell at paying a premium for a bike that was in not actually insured, I started to call around to all the major insurance companies wanting to move every insurable thing I owned. No one would cover a bike on the track though. That was until I found Einhorn Insurance (no, I do not work for them).

I called and told her exactly what I do with the bike. I told her that it does not ever ride on the street, and that I travel at speeds in excesses of 140 MPH. Donna didn't care in the least and gave me a reasonable quote. I have a fully insured motorcycle, not only that, I got to pick the full value of the bike. They are more than willing to cover every thing I have done to my motorcycle AWESOME!

The insurance I have also covers me if I were to ride on the street too. Not that I will, but if you are looking to have insured track days, live in California, and may also want to ride on the street, give Donna a call.

Donna Power
Ph: 619.908.1112 Ext. 2
Fx: 866.887.4644
www.einhorninsurance.com
License # 0F74625

She said they also work with a company in Texas too. So if you live there and are interested, call and she will point you in the right direction.

Riders insurance covers trackdays
Status: Offline
 
Reply With Quote
Old 11-28-12, 19:32   #7
tuscani451
Member
 
Join Date: Aug 2008
Location: Gilbert, AZ
Posts: 432
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Quote:
Originally Posted by shouldnthave View Post
Hey gang,

As some of you know, I totaled my 675R this last weekend on the track. It's repairable, but "totaled" in the sense that any insurance company would just total and pay out.

I called Progressive, and lo and behold, they will not cover one cent of the damage. Because it is a track only bike, I couldn't just drive it to a parking lot and call them. They would really want to know where all of the DOT bits went I'm sure...

Mad as hell at paying a premium for a bike that was in not actually insured, I started to call around to all the major insurance companies wanting to move every insurable thing I owned. No one would cover a bike on the track though. That was until I found Einhorn Insurance (no, I do not work for them).

I called and told her exactly what I do with the bike. I told her that it does not ever ride on the street, and that I travel at speeds in excesses of 140 MPH. Donna didn't care in the least and gave me a reasonable quote. I have a fully insured motorcycle, not only that, I got to pick the full value of the bike. They are more than willing to cover every thing I have done to my motorcycle AWESOME!

The insurance I have also covers me if I were to ride on the street too. Not that I will, but if you are looking to have insured track days, live in California, and may also want to ride on the street, give Donna a call.

Donna Power
Ph: 619.908.1112 Ext. 2
Fx: 866.887.4644
www.einhorninsurance.com
License # 0F74625

She said they also work with a company in Texas too. So if you live there and are interested, call and she will point you in the right direction.
Check your policy, my buddy liquified his CBR1000 at a track day and since it was NOT a timed event (ie race) it was considered rider training and was covered.
Status: Offline
 
Reply With Quote
Old 11-28-12, 19:38   #8
shouldnthave
BOTY Winner
 
shouldnthave's Avatar
 
Join Date: Oct 2012
Location: San Francisco
Posts: 2,257
Thanks: 0
Thanked 9 Times in 8 Posts
Default

Quote:
Originally Posted by tuscani451 View Post
Check your policy, my buddy liquified his CBR1000 at a track day and since it was NOT a timed event (ie race) it was considered rider training and was covered.
I went back and forth for two days with them. They were not going to budge on it so I figure I would have to sue to get paid on this. The damage is not so bad that this would be worth pursuing it anymore. If it was worse, and I had other damages that needed to be covered, I would go all the way with this.

As it stands now I'm just going to handle this on my own, and not ever give them a penny of my money again.
__________________
675R dedicated track bike.

My Girl: http://www.triumph675.net/forum/showthread.php?t=76881
Status: Offline
 
Reply With Quote
Old 11-28-12, 19:49   #9
Slowpoke675
Member
 
Join Date: Jun 2011
Location: Boondocks
Posts: 660
Thanks: 1
Thanked 0 Times in 0 Posts
Default

Won't get into details or hijack this thread, but I had Progressive Insurance for my first bike. Long story short, **** PROGRESSIVE!
Status: Offline
 
Reply With Quote
Old 11-28-12, 21:01   #10
vg13z
BOTM Pimp Daddy!
 
vg13z's Avatar
 
Join Date: Apr 2007
Location: Santa Monica
Posts: 1,643
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to vg13z
Default

I'm more interested in the circumstances of how you totalled your bike.

As an owner of a brand new 12R who will be doing trackdays on it, I will FREAK if I ever drop the bike or crash.

So I guess that means not very aggressive trackdays for me. At least I am installing a slipper clutch
__________________
new: '12 675R
past: '07 Scorched Yellow
Status: Offline
 
Reply With Quote
Sponsored Links
Advertisement
 
Reply

Bookmarks

Tags
track day insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump





Forum SEO by Zoints
Copyright 2009 TRIUMPH675.NET Powered by vBulletin® Version 3.8.1
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Motorcycle News, Videos and Reviews
Honda Grom Forum Harley Davidson Forum Honda 600RR Kawasaki Forum Yamaha R6 Forum Yamaha FZ-09 Forum
1199 Panigale Forum Roadglide Forum Honda CBR1000 Forum Vulcan Forum Yamaha R1 Forum Yamaha R3 Forum
Ducati Monster Forum Harley Forums Honda CBR250R Forum ZX10R Forum Star Raider Forum Yamaha Viking Forum
Suzuki GSXR Forum V-Rod Forums Honda Shadow Forum Kawasaki Motorcycle Forum Star Warrior Forum KTM Duke 390 Forum
SV650 Forum BMW S1000RR Forum Honda Fury Forum Kawasaki Versys Forum Drag Racing Forum Ducati 899 Panigale Forum
Suzuki V-Strom BMW K1600 Triumph Forum Victory Forums Sportbikes BMW NineT Forum
Volusia Forum BMW F800 Forum Triumph 675 Forum MV Agusta Forum HD Street Forum Suzuki GW250 Forum
Yamaha Motorcycles Victory Gunner Forum Honda Vultus Forum