14/02/20 15:03

Why Do You Need Motorcycle Track Day Insurance ?

Taking part in track days puts your bike at risk. If something were to happen on a track day, your standard insurance will likely not cover you. Luckily, there are many specialised track day insurance providers that can cover you for accident damage when on a track day.

Track day insurance covers collision damage to your motorbike (whether your fault or not) while on a non-competitive track day event (no timing, pace-making or racing).

Track day insurance excludes third-party liability which means injury to other persons, passengers or damage to other people's property are not covered.

Learn More About Bike Track Day Insurance:

What Are the Types of Bike Track Day Insurance?
What Are the Benefits of Bike Track Day Insurance?
What Is the Price of Motorcycle Track Day Insurance?
Where Can I Get Motorcycle Track Day Insurance in the UK?

What Are the Types of Bike Track Day Insurance?

There are two levels of cover you can choose from when insuring your track bike:

Total Loss Only

The Total Loss Only option does exactly what it says on the tin - the policy ONLY responds in the event the cost of repairs would exceed the market value of the bike. This would result in the bike being written off and the insured would be paid the market value of the bike less the policy excess. If the cost of repairs does not exceed the market value of the bike, the Total Loss Only option will not cover the costs of repairing your bike.

Ground Up

The Ground Up option covers the cost of repairs of structural components even when the cost of repairs does not exceed the market value of the bike. This option also responds in case of a total loss (the cost of repairs exceeds the market value of the bike).

What Are the Structural Components of a Bike?

Think of what is called a naked bike. Every component is necessary: the mirrors, handlebars, levers, speedo & tach, footrests, exhaust and silencers, forks & suspension, steering yokes, frames & subframes, wheels and all associated components, discs & calipers, master cylinders, tank, tail-lamps etc.

What Are the Benefits of Bike Track Day Insurance?

Your motorcycle track day insurance covers:

  • External accident damage to your motorcycle (whether your fault or not) while on a track session
  • Fire damage directly following an accident
  • The costs of repairing or replacing your bike while taking part in a track day
  • Garage labour rates of up to £80 per hour incl. VAT (unless expressly agreed otherwise)

MORIS.co.uk provides:

Bike Track Day Insurance
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At MORIS.co.uk, we regularly provide:

  • Ducati track day insurance
  • Honda track day insurance
  • Yamaha track day insurance

Your track day insurance policy excludes:

  • Third-party liability
  • Any riding that might be deemed competitive
  • Riding on the public road (cover only applies trackside)
  • Mechanical breakdown
  • Fire that is not the result of a crash on track
  • Vehicle recovery (unless purchased as an optional extra)
  • Claims that are simply cosmetic and principally caused by gravel rash (dropping a bike and sliding gracefully along the track / into a gravel trap is not a proper crash)

What Is the Price of Motorcycle Track Day Insurance?

Our track day insurance prices start at £63 / day, but we offer generous discounts on multi-day policies.

The following price examples are based on the assumption of a 35-year-old rider. The prices are for a one off track day insurance at Jerez. The type of cover is Ground Up and the bodyworks and fairings are not covered. All prices include tax and our admin fee of £22.34.

Bike Track Day Insurance Prices 2020
Make & Model Market Value Excess Total Price
Honda CBR600RR 2006 £3,500 £750 £85.34
Yamaha R6 2019 £11,800 £1,000 £123.43
Ducati Panigale V4S £19,500 £1,500 £162.08
Bike Track Day Insurance
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Where Can I Get Motorcycle Track Day Insurance in the UK?

MORIS.co.uk is the leading provider of track day insurance in the UK. We are here to assist you in the best way possible and make sure you find the right bike track day insurance for you.

We provide an increasing range of products for two-wheel track day aficionados so please do consider us first for any track day or motorsport needs.

Bike Track Day Insurance
Get a Quote!

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