Does Motorcycle Insurance Cover Track Days or Racing?

Motorcycle enthusiasts often look for ways to push their bikes to the limit, whether that means participating in a local track day or entering a racing event. However, many riders are surprised to learn that standard motorcycle insurance policies may not provide coverage for these high-adrenaline activities. At Sonoran Insurance LLC, our team is committed to helping riders understand their insurance options and avoid unexpected gaps in coverage.

Understanding Standard Motorcycle Insurance Exclusions

Most standard motorcycle insurance policies are designed to cover everyday riding, including commuting, leisure rides and general use on public roads. These policies typically include liability, collision and comprehensive coverage. However, when it comes to track days or organized racing events, there are important exclusions to be aware of:

• Track day exclusions—Many insurers specifically exclude coverage for any incidents that occur while participating in track days, even if the event is noncompetitive. This means damage to your bike or injuries sustained on the track may not be covered.
• Racing exclusions—Standard policies almost always exclude coverage for competitive racing or speed contests. Any accidents or losses during these events are generally not eligible for claims.
• Equipment and modifications—Specialized equipment or modifications made for track or racing purposes may also be excluded from coverage.

Why Are These Exclusions in Place?

Insurance companies view track days and racing as higher-risk activities compared to regular street riding. The increased speeds, close proximity to other riders and controlled environments raise the likelihood of accidents and claims, leading insurers to limit or exclude coverage for these situations.

Learn More

If you’re planning to take your motorcycle to the track or participate in racing events, don’t assume your standard policy will protect you. Reach out to the team at Sonoran Insurance LLC to discuss your needs and ensure you have the right coverage in place. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.