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Do I need extra motorbike insurance for track days?

Do I need extra motorbike insurance for track days?

At a track day, you liberate your bike from the rules of the road. It’s a chance to hit the racetrack and feel the sheer exhilaration of riding at speed, along with the camaraderie of the biker community. If you’re thinking about giving it a try, here’s what you need to know about track day motorbike insurance.

Daniel Hutson
From the Motor team
minute read
posted 10 OCTOBER 2019

Does my regular motorbike insurance cover track days?

No, it’s very unlikely that your standard road insurance policy covers you for riding your bike during track days.

There’s no speed limit on a motorbike track – only your common sense. When you push your limits, you’ll reach speeds that would be illegal on the road. To put things into perspective, the Honda Fireblade (one of the most common bikes on UK roads) has a top speed of 178mph. 

Speeds like these make track riding a risky sport. It’s not surprising that insurance companies don’t want to pay out if you damage your motorbike at a track.

Is motorbike insurance for track days a legal requirement?

There are several companies across the UK that run track days for riders, from novice to advanced. Some track day organisers may have a policy that riders take out extra insurance, but it’s not a legal requirement. At many track days, you’ll be riding entirely at your own risk.

Is motorbike insurance for track days a good idea?

When you go to a motorbike track day, you’re accepting some level of risk – as you do whenever you get on your bike or behind the wheel of a car. You can’t guarantee that you won’t injure yourself, but you can ensure that you’ll get financial compensation if you damage or write off your bike. 

If you couldn’t afford to replace your bike, an accident at a track day could take you off the road permanently. Insurance means you’ll be able to fully enjoy the day without that worry in the back of your mind.

What can you do to safely enjoy a track day?

As you’d expect, safety at track days is the most important consideration. While it’s important to enjoy yourself, always stay sensible. These are our tips on how to make the most of your day safely:

  • be prepared for the difference - even if you’re an expert on the road, don’t assume you’ll be comfortable on the track. There are new skills to learn before you can go all-out
  • don’t exaggerate your experience - riders are grouped according to ability. For your safety, make sure the organisers have accurate information to place you in the right group
  • ease yourself in gently - build your speed with each lap as your tyres warm, and always drive within your limits
  • take breaks when you need to - if you feel you’re tiring or your bike is straining, take a rest and cool off

Where can I get track day motorbike insurance?

We don’t offer track day insurance at Compare the Market, but there are some specialist insurance providers that will.

When you shop around for track day insurance, remember that policies vary. Don’t just go for the cheapest option. Compare what’s covered and check the limits and excess. 

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