What the hell is a M/C endorsement? And I kind of understand why they say it's uninsured at the track, but they should make some kind of provision if it's not being raced.I just got the renewal notice yesterday. They have finally added small credits if you have a M/C endorsment (WTF?) and if you took a safety class.
Do note that their collison coverage does not apply if you hit another M/C (another WTF?) and they changed their insurance exclusion that any track or closed course riding is un-insured even if it is not a 'race.
The problem is the premium and policy changes with geographical location and time also. I only listed a few of the automatic policy changes that happen this past year.Every so often a thread like this shows up but it is a bit difficult to get a good comparison of what others are paying for insurance. Most of the time you'll get answers that give the six month premium but nothing else. What would really help is what that premium covers in terms of coverage/limits, number of years riding experience, and possibly ticket history (if any).