You entered your first GNCC (Grand National Cross Country) race. You thought, “I have full coverage on my quad.” Turn 1, pile up. Your ATV is crushed. You file a claim. The adjuster asks, “Was this a timed event?” You say yes. They send a denial letter citing the “Competition Exclusion.”
Key Takeaways
- Racing is Uninsurable (Standard): 99% of standard ATV policies (Progressive, Geico, Markel) exclude any organized racing or competitive events.
- The “Practice” Grey Area: Some policies exclude “practice for a race,” while others only exclude the race itself. Be careful what you tell the adjuster.
- Specialty Race Insurance: You need a specific policy (often from carriers like K&K) to cover the machine during a race, but it is expensive and has high deductibles.
- Liability is the real risk: If you crash into a spectator during the race, your standard liability won’t defend you.
The “Why” (The Trap): The Risk Profile
Insurers price policies based on recreational trail riding. Racing involves high speeds, aggressive passing, and a 50% chance of damage. That is not the risk they signed up for.
The Clause:
“We do not cover loss or damage to any covered vehicle while being used in, or practicing for, any competitive racing or speed contest.”
The Investigation: Is there a loophole?
I looked for carriers that might allow “Club Events” vs “Pro Racing.”
Progressive
- Stance: Hard NO. Any event with a clock, a starting gate, or trophies is excluded.
Foremost
- Stance: Also a hard no for the machine. However, their medical payments might still apply depending on state law, but don’t count on it.
RiderEndure (Specialty)
- Stance: They offer policies specifically for racers.
- Cost: High. Expect to pay 10-15% of the bike’s value per year, with a high deductible.
Comparison Table: Racing Coverage
| Event Type | Standard Policy Coverage |
| Trail Riding (Solo) | Covered |
| Poker Run (Untimed) | Usually Covered |
| Hare Scramble / GNCC | DENIED |
| Motocross Track Day (Practice) | Check Policy (Varies) |
[IMAGE: Photo of a GNCC starting line with a “Coverage Void” stamp overlay]
Step-by-Step Action Plan
- Read the Exclusion: Does it say “Practice for”? If yes, even a track day is risky.
- Self-Insure: Most racers accept that if they crash on Sunday, they pay on Monday. Put the premium money into a savings account for parts.
- Check Event Insurance: Some race organizers offer a supplemental insurance buy-in for medical (rider accident medical). Buy it.
- Don’t Lie: If you crash in a race and drag the bike to a trail to fake a claim, investigators will check race results. Your name is on the internet. It is insurance fraud.
FAQ
Is a “Poker Run” considered racing?
Usually, no. It is a game of chance, not speed. But if there is a “fastest time” trophy, it becomes a race.
Does my health insurance cover race injuries?
Maybe. Check your health plan for “Hazardous Activity” exclusions. Many standard health plans exclude organized motorsports.