For those of you that ride on track only - Page 3

Sean · 01-03-2010, 08:01 PM

Quote:

Originally Posted by azoomm

Yup. Homeowners insurance won't cover any vehicle that has wheels

Homeowners covered my bicycle when I drove over it with my truck

CasterTroy · 01-04-2010, 08:38 AM

Quote:

Originally Posted by azoomm

Homeowners insurance won't cover any vehicle that has wheels

FYI.... State farm makes you have a separate policy for anything with a motor and wheels.

If you have a race car, 4 wheeler, or race bike that does not see the road they have to have a separate policy or they're not covered under homeowners.

Homeslice · 01-04-2010, 09:13 AM

I would never claim a crash on the track unless it was a street bike. If it's a track-only bike, I don't agree with claiming it because it just drives up costs for everyone. The purpose of giving you a break on "educational events" is so that you gain more experience so you're safer on the street. But if you're not riding on the street anymore, nobody benefits from your increased skill. I guess you could argue that you're making yourself a better track rider, but that's not what the company had in mind. On the track you're deliberately pressing your limits all the time, whereas on the street you might only do that 5-10% of the time. Big difference.

CasterTroy · 01-04-2010, 09:22 AM

You insure a track bike in the event of a fire, flood or theft....not due to crash

Homeslice · 01-04-2010, 09:27 AM

Right but some people decide to drop out of street riding and convert their bike to track-only, while still keeping the same coverage on it. And then they claim cash damage on it. Not too big of a deal really, but I don't agree with it.

01-04-2010, 09:13 AM	#23
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	I would never claim a crash on the track unless it was a street bike. If it's a track-only bike, I don't agree with claiming it because it just drives up costs for everyone. The purpose of giving you a break on "educational events" is so that you gain more experience so you're safer on the street. But if you're not riding on the street anymore, nobody benefits from your increased skill. I guess you could argue that you're making yourself a better track rider, but that's not what the company had in mind. On the track you're deliberately pressing your limits all the time, whereas on the street you might only do that 5-10% of the time. Big difference. Last edited by Homeslice; 01-04-2010 at 09:17 AM..

01-04-2010, 09:22 AM	#24
CasterTroy ................ Join Date: Nov 2008 Location: NC Posts: 3,028	You insure a track bike in the event of a fire, flood or theft....not due to crash __________________ “Being tolerant does not mean that I share another one’s belief. But it does mean that I acknowledge another one’s right to believe, and obey, his own conscience.” Viktor Frankl

01-04-2010, 09:27 AM	#25
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	Right but some people decide to drop out of street riding and convert their bike to track-only, while still keeping the same coverage on it. And then they claim cash damage on it. Not too big of a deal really, but I don't agree with it. Last edited by Homeslice; 01-04-2010 at 09:55 AM..