Insurance - track and racing cover
Just been down NTUC renewing my bike insurance. I asked about medical expenses if I dropped the bike, and found there is none whatsoever.
For an extra $118 however, I got $10,000 worth of medical insurance and $100,000 worth of life insurance. This covers not only normal road riding but also racing and track days! (Extra 25% loading to do it!) Not only that but for an extra $23 I got it to cover my rock climbing too!
$10,000 is not exactly a lot of cover for medical expenses in this town, but its better than a kick in the teeth, and not bad value for track/racing!