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After watching 2 street bikes get wadded up this past weekend doing a track day, I would bet most people putting their nice street bike on the track don't know they are not covered for damages to their bike if you lose it. I was under the mis-information that I was covered by my own insurance company as of last year, but after calling the insurance company and pressing them more, they told me this time it's not covered when on a closed track circuit. This takes all the fun out of doing the occasional track day with the street bike. I would like to know what others do when going to the occasional track day. I know there are companies out there that will insure a bike/rider for track days at various levels but I have not priced it out. I saw some pretty new bikes out there on the track that were still street bikes. I would hate to throw it down and have a hard time "eating" the cost to repair it especially if I still owed payments. What about medical insurance too? I could see some insurance companies excluding extreme sports like motorcycle track days and sky diving, etc. from their coverage. I think I will start by looking for a "track bike" that isn't so nice and use it instead? Maybe the cost of fixing it isn't worth the premiums? Any other ideas? Insurance companies suck!