Motorcycle Insurance for Track Days – What You Should Know
When it comes to high-thrill motorcycle outings like track days, ordinary motorcycle insurance may not give you the protection you need. If you’re planning to hit a closed circuit, you need to be strategic about your coverage from Motorcycle Insurance. Here’s what you should know.
Understanding Track Day Coverage
Most standard motorcycle policies explicitly exclude track day usage. That means your regular motorcycle insurance likely won’t cover damage sustained during high-speed sessions or training events . Still, don’t get discouraged—specialized motorcycle insurance for track use does exist.
Why Regular Insurance Falls Short
Track riding brings unique risks. Insurance underwriters know that on-track crashes are more likely than on public roads, so progressive motorcycle insurance, geico motorcycle insurance, and other mainstream providers often exclude track days unless you opt for extra endorsements .
Specialized Track Day Policies
If you’re serious about protecting your ride, look into specialized custom motorcycle insurance designed for track use. Some policies even combine on-road and on-track protection. For instance, one provider offers coverage that removes the “track day exclusion” from your normal policy—all while offering online quotes and personalized limits .
Another example: certain insurers include non-competitive track day cover as part of their full-coverage plans. There are conditions, such as being the principal rider, having held the policy for some time, no at-fault claims in the past year, and riding only on approved events—not timed or competitive races
What Coverage to Expect
A proper track day policy from Motorcycle Insurance should offer:
-
Physical damage coverage (collision and comprehensive)
-
Bodily injury and property damage liability
-
Medical payments for injuries
-
Replacement coverage for custom parts, helmets, and safety gear
-
Towing or breakdown benefits, especially if you combine motorcycle breakdown insurance
How to Get a Quote
Want to know how much is motorcycle insurance for a track day? Start with a motorcycle insurance quote—from both mainstream insurers like Progressive motorcycle insurance and brokers specializing in motorcycle track day insurance. Be clear about your intended use: on-road plus occasional track riding.
Budget-Friendly Options
If you’re looking for cheap motorcycle insurance or the cheapest motorcycle insurance, track day endorsements may raise premiums. But if track rides are occasional, compare quotes for riders who only want temporary coverage for track sessions. Buying a dedicated throw-away track motorcycle is also a strategy—keep your main ride safe and insured with your standard insurance motorcycle insurance, and only expose a secondary machine to track risk
Additional Insurance Types to Consider
If your motorcycle serves multiple roles, you may need to cover all bases:
-
Motorcycle courier insurance – essential if you ride for deliveries or work
-
Motorcycle breakdown insurance – important for roadside assistance, especially when transporting your motorcycle to a track.
-
Bundling auto and motorcycle insurance can save money—ask providers like Progressive motorcycle insurance for multi-policy discounts
Choosing the Best Motorcycle Insurance
Here are some tips to help you find the best motorcycle insurance for the job:
-
Compare insurers: Get quotes from both mainstream brands like Geico motorcycle insurance, Progressive motorcycle insurance, and specialized brokers offering motorcycle track day insurance.
-
Review exclusions: Confirm whether track days are excluded—or included under specific conditions.
-
Understand motorcycle insurance cost: The total cost depends on your motorcycle’s value, track frequency, riding record, and policy limits.
-
Ask about discounts: Safe-rider courses, bundling with auto and motorcycle insurance, or off-season storage discounts help reduce premiums.
-
Check for custom vs standard parts coverage: If you ride a custom motorcycle, make sure your accessories and upgrades are covered—some policies include OEM and custom parts automatically
Final Tips: Staying Safe Economically
-
Never ride on a track without confirming coverage.
-
For occasional track use, temporary endorsements can keep motorcycle insurance cost manageable.
-
Clearly state your motorcycle’s usage when requesting your motorcycle insurance quote to avoid denied claims.
-
Keep part of your policy focused on cheapest motorcycle insurance for road use, and add track day cover as needed.
-
If you ride commercially, prioritize motorcycle courier insurance.
Conclusion
At Motorcycle Insurance, we help riders pursue their passion with protection that matches. Track days are an amazing way to improve skills, test limits, and enjoy your motorcycle—but only with the right coverage.
From affordable cheap motorcycle insurance for daily rides to specialized motorcycle track day coverage, our mission is to help you find the best blend of protection and savings. Request a tailored motorcycle insurance quote, explore your options for custom, progressive, or geico motorcycle insurance, and ride with confidence—on the street or the circuit.
