Foremost Insurance

[killcity]

Hey guys, I've had Foremost over the past year since they're the only ones that cover track day incidents. Has anyone ever had to file a claim with them? Not necessarily for a track day mishap, but for a street riding accident?

[Lxpony]

Hey guys, I've had Foremost over the past year since they're the only ones that cover track day incidents. Has anyone ever had to file a claim with them? Not necessarily for a track day mishap, but for a street riding accident?

Incorrect information. Any standard motorcycle policy will cover a track day since it isn't a "timed racing event".
If your agent told you otherwise you need a new agent who knows how to read an auto policy.

[killcity]

A lot of companies don't cover track days, despite it not being a "timed event". Foremost covers track days and it's in writing on their policies. Id love to know what companies guarantee coverage for them.

Has anyone here filed a claim for a track day crash?

[Lxpony]

A lot of companies don't cover track days, despite it not being a "timed event". Foremost covers track days and it's in writing on their policies. Id love to know what companies guarantee coverage for them.

Has anyone here filed a claim for a track day crash?

Really? Your know of carriers who dont provide coverage ? Can you post the list so I can make sure i havent been working at one of them as a claims manager since 2004?

[Lxpony]

http://www.insuranceusa.com/reviews/...emost-reviews/

And to answer your original question about claims quality...based on this website I would suggest against having a policy with them or just dont crash at the track and youll be fine.

[killcity]

Progressive and Allstate have both told me that they do not cover track days, and I even clarified that it's considered "safety school", which didn't make any difference.

[GMAN226]

My father had to file a claim with them for a fire. It was a very easy and quick from what he said. It was also an off brand bike that wasn't easily repaired.

G

[R7]

http://www.insuranceusa.com/reviews/...emost-reviews/

And to answer your original question about claims quality...based on this website I would suggest against having a policy with them or just dont crash at the track and youll be fine.

Online reviews nowadays are pretty much meaningless IMHO. Lets face it, very few post a positive review, so all you ever see are the negative reviews.

I've had foremost for the past 15 years, only 1 claim which went smooth..and no other ins co has been able to come close to their rates in my case...most quotes are double what I am paying.

[RandyO]

Incorrect information. Any standard motorcycle policy will cover a track day since it isn't a "timed racing event".
If your agent told you otherwise you need a new agent who knows how to read an auto policy.

My Progressive policy is very explicit in excluding anything on a "closed course" and does not exclude "timed" events so I am covered when riding an IBA ride on the street, but nothing at a track

[killcity]

Thanks guys, I didn't think I was crazy, heh. I ended up keeping Foremost on my Brutale, which I'll probably toss around at Loudon this summer.

[soofle616]

It's becoming far more common now that trackdays are everywhere for "closed course" exclusions to be written into policies. 21st century is another one that explicitly INCLUDES trackdays as a covered event. I'm told that state farm does as well but I have not spoken to my agent about this.

[killcity]

Anyone get a rate hike recently? Either my insurance agent is an idiot or I did something that Foremost didn't like.

Switched to State Farm for better or worse.. Now I need a dedicated track bike...