This is an accident only cover for your car or bike when on a track day, training day or public day or similar day. Track Day Insurance is strictly for non-competitive or timed circuit driving. Track day insurance covers the costs for repairing your car or the market value of the car if the insurers decide it is a total loss.
Track day insurance covers you for accident damage if:
Your track day insurance policy also covers
Track Day Insurance does NOT include Third Party cover. It does not exist. There is no insurer in the land who provides participant to participant bodily injury cover or damage caused to other participants vehicles. It is down to the other participants to make a choice for themselves if they wish to protect their car/bike or not.
MORIS.co.uk can cover you at any European circuit, including Nürburgring and Spa.
If you are looking for track day insurance, please do have a look at MORIS.co.uk before you go any further. We provide track day insurance for both cars and bikes. Our car track day insurance products are divided into three categories based on the market value of the car and the number of track days insured on the policy:
The bike track day insurance we provide allows you to obtain a quote and buy cover for up to ten track days in advance.
Very few motor insurers will provide any cover for cars being taken onto the track - and with good reason too - all the "norms" of driving safely on the road go out of the window as you exploit the limits of adhesion and machinery and yourself. Guess what? Accidents will happen and it is therefore worth considering a separate track day policy specifically to provide for accident damage for your car. Because this is a separate policy it should have minimal if any impact on your hard earned No Claims Bonus.
There is no "Fault" attached to track day accidents (currently the courts regard anyone crazy enough to take their own road cars onto the track as doing something that is completely the responsibility of the individual), so whether you do the damage all by yourself or some nutter simply drives into you, your policy will put right the damage to your car - however caused.
We also have some nifty optional extras that many of the other track day insurance providers are unable to offer. These include:
• Vehicle Recovery Package so if you hunt or just blow the engine up, there is a recovery option to consider
• For cars under £40,000 in value it is even possible to pay a little extra to Cover the Policy Excess (Brilliant, but understand that this does not cover any damage below the excess, but should any accident damage exceed the stated excess and you have paid for this option then you may well indeed be very grateful)
TRACK DAY? WE'VE GOT IT COVERED!