Motorcycle Track Day Cover

Our Full Cover motorcycle insurance policy does include cover for non-competitive track days, however please read all the following information carefully as there are a number of conditions that apply to this cover.  These conditions apply for any track day or training day that is held on on-track (NB: training days that occur on public roads do not require prior approval from us - check out information on the Ride Forever Training Courses). You will have a higher excess while on track (see below for what your excess will be) however track day cover is automatic as long as all the conditions below are met.

The rider must be eligible

  1. You will only be covered if you are the principal rider on the policy.  If your policy has more than one principal rider, please contact us for further clarification on who will be covered.
  2. You must have held insurance with us for a minimum of 60 days immediately prior to the event.
  3. You must not have had any at fault claims during the 12 months immediately prior to the event.

The event must be eligible

The event must be run by one of our approved track day organisers:

  1. Brian Bernard Rider Training Days
  2. California Superbike School
  3. CDMTC Track Days
  4. HD Moto
  5. MotoTT
  6. Ornsby Road, Track & Cornering School
  7. Passmasters Track-based Training Days
  8. Playdays
  9. Pro Rider Track-based Training Days
  10. Taupo Moto Track Days
  11. Victoria Motorcycle Club Training Days 
  12. Distributor hosted track days by the following motorcycle distributors: 
    a.    Honda 
    b.    Kawasaki
    c.    Suzuki 
    d.    Triumph
    e.    Yamaha

At all times, you must adhere to the guidelines set by the organiser of the event.  Failure to do so may result in a claim being declined.  You must also only participate in non-competitive sessions by these organisers, we will not cover (under any circumstances):

  1. Race bike groups (i.e. not a race but a group for racers)
  2. Any event, group or session for stunts, launch practice, drags, sprints or trials
  3. Timed sessions, or sessions/groups intended for competitive purposes 

The location must be eligible

The event must be held on an approved permanent, dedicated sealed circuit:

  1. Hampton Downs Motorsport Park (Waikato)
  2. Highlands Motorsport Park (Cromwell)
  3. Levels Raceway (Timaru)
  4. Manfeild Circuit Chris Amon (Feilding)
  5. Mike Pero Motorsport Park (Christchurch)
  6. Pukekohe Park (Auckland)
  7. Taupo International Motorsport Park (Taupo)
  8. Teretonga Park (Invercargill) 

A higher excess will apply

Your excess while attending a track day event will be calculated by adding an additional amount to your normal rider excess.  The additional amount is determined by your motorcycle’s value as follows:
Your motorcycle's Agreed ValueYour Rider excess plus:
$0 to $20,000$500
$20,001 to $25,000$750
$25,001 to $30,000$1,000
$30,001+$1,250
For example, if your normal rider excess is $750 then your track day excess on a $25,000 motorcycle would be $1,500.  You can find your rider excess on your most recent certificate of insurance or renewal letter.