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They're not gonna tell you guys. They bury that stuff in the fine print, knowing very few will take the time to read it.
It's only when you make a claim, or call them on it, that it will be addressed.
Then, they will deny payment, because you agreed and signed to the conditions on the policy, and did something else.
Or, they will say, if you bring it up, no, this policy does not cover the vehicle, or you, if it occurs in a racing event.
Then, they will multiply to cover racing by about 10 times, or tell you no, we don't offer that.
Hope to never need to use it.
She said the bike is covered everywhere but racing events. I made her double check and her supervisor even said the same thing. She even called me back after I bought the policy to confirm her answers.
I’m going to call Foremost on Tuesday to see what there answer is.
You insure a dirt bike to cover the loss (comprehensive) and nothing else. That is the extent of the conversation you should have with your insurance provider. If it's stolen at a motocross event, the insurance provider doesn't need to know that. Just get a police report to cover your ass.
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