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Geico Will Cancel your Insurance Policy if they find out that you have taken your bike to the Track

ToraTora said:
They see through those attempts at deception.
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Of course they do.

Do you honestly think you're the first person to have these "issues"? I've been tracking cars, and helping others prep and track their cars for a long time now. The insurers know what's going on far better than everyone who is trying to "get one over" on them. But by using the trigger words, you are automatically ending all your options. As you've found out by losing coverage on not just one, but two bikes.

Good luck with your efforts.
 
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ToraTora said:
Moto Beck, Yeah I would be totally fine with that, and that is how I've read my contract. There's nothing in there that say if you go to the track that they will cancel your policy. It only says they will not cover any liability at said event.

And since I bought the coverage on the bike it hasn't gone to the track, so I haven't broken any of their hidden rules. So I don't really get it either. When I talk to them next I'll be better prepared because I have read the contract. I'll post what happens. ¯\_(ツ)_/¯
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ah i got it now - thanks for clarifying.

I tend to switch insurance carriers every 2 years for a better rate - never had Geico but they are who i just switched to haha.

Keep us posted on what happens - worse case - take your business elsewhere - it's a pain but most quotes and negotiating can be done over email now which makes it a bit easier.
 
GEICO insures my truck, while I've had Allstate for my street bikes for at least the past 15 or so years. As for track use...

Dedicated track bike. ;)
 
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Geico did this to me too...out of the blue cancelled insurance for ALL my bikes (even though only one was used for track days). It took many phone calls to get my Multistrada covered again, but they agreed to do that as it's here in Alaska and has not and will never see a track. I was honest about the Pani's and despite me explaining the difference between track days and racing...they simply won't cover those bikes. Pay to play....

Oh well-
 
I don't actually like the idea of taking a street bike to the track. I consider the risks too great. Which is why I built up a dedicated bike. Thankfully they didn't cancel my other bikes, and hopefully the one street bike they did cancel will get covered again. For the track bike I'll just have to see what's available, and like I mentioned above the renters insurance may cover it.
 
clutchslip said:
I think someone has made a silly mistake. I hope you try to fix this problem and let us know that it was just an incompetent clerk. Most people don't understand "track days", you know. When you say track, people think of racing. That is normal, in my experience.
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Well...isn't that what you're doing when you pay for a track day? You may not be "racing" as in competing with others there, probably some people are, but are you not going as fast as you possibly can taking corners at an extreme lean angle?

Sure looks like it to me. Without getting into semantics, generally speaking, it's racing.

Why cover that? It's all about risk as far as ins. co's go, right?
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T100 said:
Well...isn't that what you're doing when you pay for a track day? You may not be "racing" as in competing with others there, probably some people are, but are you not going as fast as you possibly can taking corners at an extreme lean angle?

Sure looks like it to me. Without getting into semantics, generally speaking, it's racing.

Why cover that? It's all about risk as far as ins. co's go, right?
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Typical distinction between a track day and a race is that a race is a "timed event". I have no idea if all recognize that distinction. Track days or races aren't covered under any insurance company that i'm aware of so i think the point is irrelevant anyway

This is the first i've heard that an insurance company canceled someone's insurance for even mentioning it.

If you go down at the track on your street bike - don't call your insurance company - but that's not what's being discussed here.
 
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Did they at least give you a refund?
 
T100 said:
clutchslip said:
Well...isn't that what you're doing when you pay for a track day? You may not be "racing" as in competing with others there, probably some people are, but are you not going as fast as you possibly can taking corners at an extreme lean angle?

Sure looks like it to me. Without getting into semantics, generally speaking, it's racing.

Why cover that? It's all about risk as far as ins. co's go, right?
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The coverage he paid for was in case the bike was stolen or similar, which has nothing to do with what he uses it for.
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I am just amazed that insurance companies offer comp and collision coverage for motorcycles. Bunch of hooligans ride them, and all.
 
I wasn't called back today like I was promised. I called them back. Spent about two hours on the phone speaking with a number of departments/people, and got no real definitive answers.

Tomorrow I'm suppose to receive a phone call from an UnderWriter.

Also, their renters insurance covers vehicle parts. It does not cover a running vehicle. As to what level of completeness a bunch of parts becomes a running vehicle isn't clear. I will have to make more inquires to find out.

I did check in with their specialty department, but because the bike's "cash value" is so low they wouldn't even consider talking about it, and they wouldn't offer an agreed value policy. :wow
 
deathbug74 said:
i'll leave the details to someone better versed in the fine details (Thumper?) but i wonder if this would be the kind of thing to contact the CA Dept of Insurance about...
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My experiences in dealing with them is that they really can't do squat. I had a case where Farmers did some totally heinous shit, and CA's insurance cats couldn't do anything other there offer suggestions, and those while with good intentions were useless. They have no teeth so insurance companies just laugh it off.
 
T100 said:
clutchslip said:
Sure looks like it to me. Without getting into semantics, generally speaking, it's racing.

Why cover that? It's all about risk as far as ins. co's go, right?
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I purchased coverage for when not riding the bike. Even if I did crash it on the track I didn't purchase coverage for that so I wouldn't have a claim. I was seeking coverage from theft, fire, etc. The bike isn't racing if it's sitting in a storage facility.
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Charles R said:
Of course they do.

Do you honestly think you're the first person to have these "issues"? I've been tracking cars, and helping others prep and track their cars for a long time now. The insurers know what's going on far better than everyone who is trying to "get one over" on them. But by using the trigger words, you are automatically ending all your options. As you've found out by losing coverage on not just one, but two bikes.

Good luck with your efforts.
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Yeah Charles I'm the first person ever! Seriously?

No, I posted about this because a lot of people like to do track days with their street bikes. A number of people suggest that riders go to the track and learn. What they don't tell you is that if you do this not only are you not covered on the track, but you could lose all coverage on your bike. That's a pretty serious situation to comprehend, and yet most people, including myself, are/were totally clueless about it.

And sure you can blame me for using "trigger" words, but remember the bike had no coverage at all. I asked if they had a product to fit my needs. They said that they did, and sold me that product. If these words were indeed "triggers" shouldn't they have triggered before selling me the coverage?

I wasn't trying to pull anything over on them. I specifically asked if they had a product. They said they did. I bought it. If anything at least I'm not going to end up with a stolen vehicle only to have the company then go, yeah we wont be covering that theft because you didn't tell us you took the bike to the track. Your non-trigger method could easily induce said outcome.
 
Hooli said:
GEICO insures my truck, while I've had Allstate for my street bikes for at least the past 15 or so years. As for track use...

Dedicated track bike. ;)
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Do you have any theft/fire/etc. coverage on your track bike?
 
MMC said:
Geico did this to me too...out of the blue cancelled insurance for ALL my bikes (even though only one was used for track days). It took many phone calls to get my Multistrada covered again, but they agreed to do that as it's here in Alaska and has not and will never see a track. I was honest about the Pani's and despite me explaining the difference between track days and racing...they simply won't cover those bikes. Pay to play....

Oh well-
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Hey MMC, well I'm fortunate that they didn't cancel all my bikes, and I think one of them should be able to get straightened out. It seems in the notes from the first guy he thought I would take both bikes to the track. The other one I'll just have to find another means to cover it.

One of the things they keep repeating is that it's okay to do one track day. But I can't seem to get them to show me that in writing anywhere, nor that two track days exceeds the limit. Feels a lot like double speak.

What's really funny is that I'm talking about kart tracks with a 50cc motorcycle, and only to have it covered when I'm not on the bike. Very little risk compared to most bikes in general.
 
Slow Goat said:
Tora, best of luck. I hope you’re successful- you’re just looking for “major loss” coverage which has FAR less risk than the typical policy for comprehensive/collision.

Alas, it seems Common Sense goes against the P&L of most companies.

Now another issue: Most warranties (and extended warranties on used bikes) specifically state they won’t cover parts if the bike has been tracked!

This all makes that $4,000 Track-only bike with only a bill of sale a smart option for those with the means.
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Thanks, and yeah it's crazy. lolz

I can see why extended warranties would have a clause like that in there. Especially if it was a KTM. <running and ducking> :teeth Although, because their campaign states "Ready to Race" they have had to cover bikes that were raced/tracked with their factory warranties. Derbi employed that exact marking phrase long before KTM did, but my bikes are way past any warranty claims. lolz

I don't have much money invested into this bike, but a shit ton of time has been put into it, so I'd like to have it covered for things outside my control.

There has to be a reasonable solution available. I just need to do my effort to find it. ;)

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Moto Beck said:
ah i got it now - thanks for clarifying.

I tend to switch insurance carriers every 2 years for a better rate - never had Geico but they are who i just switched to haha.

Keep us posted on what happens - worse case - take your business elsewhere - it's a pain but most quotes and negotiating can be done over email now which makes it a bit easier.
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You betcha, and I will. ;)
 
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