MCN’s motorcycle track day insurance guide
Here at MCN we’re happy to say we are one of only a few insurance comparison websites that offer track day insurance as an option. We have teamed up with a specialist broker for this.
As it’s such a complex subject, please call us on 0330 022 7970 and mention that it is track day cover you are looking for. One of the team will be able to advise if cover can be arranged.
Do I need motorbike track day insurance?
You do not have to have track day insurance in order to take part in an event but you will be unable to make any sort of claim for an incident without it.
Nobody wants to crash their bike and the fear of chucking your pride and joy down the road is the biggest obstacle when it comes to signing up for a trackday.
But the truth is if you are sensible about how you approach one, you are very unlikely to crash on a trackday.
If you are worried, you can always get trackday insurance with our specialist broker so, please call 0330 022 7970 and a member of the team will advise if cover can be arranged. If it’s an option for your bike they’ll also let you know your track day insurance cost.
Alternatively, you could even sign up with a trackday organiser who has hire bikes on offer. So yes, crashing should be a consideration, but don’t let it stop you venturing out on track.
If you have a track day or race bike that you want to keep covered against theft between days out, but which isn’t road-legal (so you can’t get it covered on a usual policy) then you’ll need specialist motor sports insurance.
On such policies, accidental cover kicks in if the bike is on a trailer and it’s involved in a road traffic accident, or it gets damaged in the workshop, or if the missus reverses her car into your bike.
It doesn’t cover you for throwing it away on the brakes at Druids!
What happens at a motorbike track day?
A trackday begins with signing on and often you are required to show your bike licence, so remember to pack it!
There are generally three groups – novice, intermediate and experienced – and while you may have been asked before what group, always be honest.
If you are inexperienced at track riding, say so and go in the novice group. That way you’ll usually get a separate briefing with some basic pointers, and a couple of sighting laps so you can see which way the circuit goes. Organisers are more than happy to shift people around in the groups if you are in the wrong one, so the best advice is simply to be true to yourself.
There is no shame in admitting you are a novice; we all had to start somewhere, and ending up in an ‘experienced’ group that is full of racers who are practicing at the track can be terrifying if you aren’t that experienced at circuit riding.
And by the same token, riding in the intermediates when you are experienced just to overtake everyone also isn’t cool.
Next up is the briefing: the organiser will run you through a few basics – flags, where to join the track, the format of the day.
Pay attention as you need to know this stuff; doing an extra lap because you haven’t listened and don’t know where the pit entrance is makes you look like an idiot.
And the same goes for failing to slow down for a yellow or red flag or missing the chequered flag that signals the end of your session.
Briefings are for your safety as much as they are for the safety of other riders and marshals. Once the briefing is over you will probably get a wristband to confirm you attended and once your bike gets a sticker to confirm it isn’t too loud after noise testing (usually a static engine running test at a set rpm), you are ready to head out on track.For more information, head over to our guide to what to expect on your first motorcycle track day.
Still keen? Then you’ll want to check out our expert guide to motorcycle track day kit.
Need motorbike track day insurance?
We are happy to say we are one of only a few insurance comparison websites that offer track day insurance as an option; as we have teamed up with a specialist broker for this and it is such a specialist area please call us on 0330 022 7970 and mention that it is track day cover you are looking for and one of the team will be able to advise if cover can be arranged.
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