Insurance woes

Can anyone help out.
I'm about to do a weekend of advanced rider training at Baskerville Raceway
with Stay Upright.
My policy with Swann Maxirider tells me I must get their consent to be
covered for this.
When I called them, I'm told they never give consent (one of the reasons I
chose their policy was that it gives the impression that you can be covered)
I asked why it gets a mention in their policy if it's never given and they
could not give a reason.
I no longer wish to be insured by a mob that sell policies with potentially
deceptive wording (full of shit) so can anyone recommend a company that
gives cover while you are doing legit rider training on a track ?
Cheers
Jarrett.

 

no

ck

 

As far as im aware no one will cover u on the track

Dave R6

 

To quote the policy,

"We may refuse or reduce a claim or cancel this Policy, or do both, if at
the time of an incident resulting in a claim, your motorcycle was being used
or tested in preparation for any motor sports or use on any motorcycle
track, except where you are participating in an approved rider course with
our consent."

I didn't seek clarification because the wording above seemed they were
clearly giving the OK as long as you got the consent each time.
Like I said to them on the phone, why print it if consent is never given
(clearly misleading)
Are you a lawyer or insurance salesman by any chance Nev ;-)

 

"approved" rider course.

I'd read that as meaning going for your Ls or Ps.

If you were an insurance company, would you include people riding around
race tracks?

If it really worries you, see if the company running the course can
provide bikes.

Moike

 

I'd read that as meaning going for your Ls or Ps.

To be honest, if I were an insurance company I wouldn't insure a lot of
riders on or off race tracks and never would I insure riders going for Ls or
Ps.
I just think they should leave the misleading part completely out of their
policy.
No great loss, I'm still going, just uninsured I guess.

Is anyone insured with a company that does cover you for advanced rider
training with registered training organisations (not track days etc.), or is
this a thing of the past like Nev mentioned ?

Jarrett

 

Your not uninsured , just use some imagination * IF * you drop it

 

wanna bet ??

 

Nah, he's just a fuckwit.

GB

 

$1 anna stubby

 

done

mate got coverage , IIRC was NRMA
for superbike school level 1 no probs

level 2 he needed to get a letter from SBS as to what the Lvl2
actually entailed and they gave coverage ,

this was in the last 6 months and held at eastern creek

 

Yup, im happy to take your money. I said "as far as _I'm_ aware". So im
prepared to bet that my statement i made was true. still on?

can ya tell its friday?

Dave R6

 

Nev.. said....

If there is a greater perceived risk here, why then do some insurers
offer discounts for riders who've completed such training?

In doing so, it appears that they accept that such training is
beneficial to the rider's skills, and thus he poses a lesser risk. Yet,
they consider such training to be an unacceptable risk to cover.

 

Moike said....

Depends on how the course is conducted, I s'pose. If it's a well known
provider, such as Yamaha SMART, or whatever, why should there be a
problem, if the bikes are speed limited on the track. Of course, there's
no fun in that, is there. So, I s'pose that the insurers would be
reluctant to cover such events. Still, some seem quite happy to offer
discounts, once you've done such courses.....