Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Austin has a world-class circuit and a lot of riders who use it. Almost every standard motorcycle policy excludes what happens on it, and almost nobody finds out until afterward.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Austin is one of the few American cities where a rider can do a track day without taking a week off, and the result is that a meaningful share of sport riders here spend time on a closed course. This is where a standard motorcycle policy quietly stops working. Nearly every personal motorcycle form excludes losses occurring during racing, speed contests, timed events or operation on a closed course or racing facility, and the language is generally broad enough to catch an ordinary non-competitive track day. A rider who low-sides in turn one on Saturday and calls their carrier on Monday is usually told the same thing: the bike is not covered, the crash falls inside the exclusion, and the fact that nobody was being timed does not change it. That is not a trap so much as an unread clause, and it has a real solution — standalone track-day insurance sold per event or per season, which is what riders who do this regularly carry alongside their street policy. On the street side, Austin’s own issues are ordinary but not small: dense growth, construction-narrowed lanes, congested arterials, and a rider population large enough that the road-share conflicts happen daily rather than occasionally.
Get a Free Motorcycle QuoteA street policy, a closed course, and the gap between them.
City corridors, the circuit, and the escape west.
The reason track days are a normal part of riding life here rather than an annual pilgrimage.
Curving urban parkway, ridden constantly and heavily patrolled.
Roads out toward Dripping Springs and beyond, where the city finally releases.
Lamar, Burnet, South Congress and the daily miles where the ordinary crashes happen.
Where the bikes live in a city with limited covered parking and real hail seasons.
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Street coverage done properly, and a straight answer on the track. Call us.
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Part of our statewide Texas motorcycle insurance coverage.