Insurance and Track Days

[FalcoJock]

A colleague and I are going to do a novice track day. I said to him that I would ask my insurance company if they would do me a special track day insurance. Don't do that mate, he said, they will reassess your risk just for asking. I thought that was nonsense but haven't got round to it yet.

However, it seems to be true. If you call your insurance company with an enquiry, and it indicates to them that you are a potential higher risk, they can and often will use that against you and next renewal date, your premium will have gone up.

Even if I take out insurance through another route, such as with the track day company, it wil be registered on the CUE database and could still lead my insurer to raise my risk level. It seems I'm stuffed any which way. If I don't take out insurance, and chuck it at the scenery, I lose my bike and they will want to know what has happened to the bike and I'll still be penalised.

[Falcorob]

The simple solution is to hire a bike off the TDO. This can be done relatively cheaply nowadays and, though the damage waivers can be quite stiff, it isn't so bad if you lob it a\t the scenery.