Originally Posted by Misti Hurst
It is easier to ride the school bikes as you don't have to worry about transporting it to the track, gas, maintenance, and fixing it if you crash. The S1000RR's are amazing and fun to ride and you are only liable up to a certain amount (ask the office exactly what that is) so if you crash and only do $100 worth of damage then that is all you pay.
Along with that- if you wad your bike, your insurance may not cover it. (Don't be a douche and lie about where you crashed- it's bad karma, and it will suck more if you're caught).
So check with your insurance agent on whether track-based classes, and possibly CSS in particular, is covered. (Be sure to point out it is NOT A RACE, because that will be explicitly not covered.) I would get a pointer to the exact clause that says so, so you a) know the agent isn't pulling it out of somewhere dark and stinky, and b) you can point it out should the worst happen.
Unless the bike's paid for and you have no intention of ever filing a claim- in which case, have at 'er.