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post #1 of 47 Old 11-28-12, 16:19 Thread Starter
shouldnthave
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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
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post #2 of 47 Old 11-28-12, 16:24
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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.

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post #3 of 47 Old 11-28-12, 17:09
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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.
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post #4 of 47 Old 11-28-12, 17:41 Thread Starter
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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
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post #5 of 47 Old 11-28-12, 18:10
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They would have to be stupid to cover me at the track...
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post #6 of 47 Old 11-28-12, 18:16
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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
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post #7 of 47 Old 11-28-12, 19:32
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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.
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post #8 of 47 Old 11-28-12, 19:38 Thread Starter
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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
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post #9 of 47 Old 11-28-12, 19:49
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Won't get into details or hijack this thread, but I had Progressive Insurance for my first bike. Long story short, **** PROGRESSIVE!
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post #10 of 47 Old 11-28-12, 21:01
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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
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