Frequently Asked Questions

A track day insurance is an ACCIDENT only policy. Insurers pay for the cost of accident damage to your car if (1) you crash, (2) someone crashes into you (3) something breaks on your car that causes you to crash. This is not a Mechanical Warranty policy, so we do not cover component failure. There are optional extras to provide for (1) Personal Accident(2) Vehicle Recovery (3) Armco Damage, and (4) insurance of your policy excess (Cars up to £60,000 only).

Key exclusions include (but are not limited to) the following (1) No third-party property or bodily injury cover (2) Engine blow-up or component failure (we cover any accidental damage that may be a result of a mechanical failure). (3) Loss of market value (4) Accidents caused by competitive or timed laps that encourage a driver / rider to push to the limit (5) Use on the road or public place as required by the Road Traffic Act 1988 (6) Use by persons not named on the policy (7) Damage caused by the deployment of airbags. It is important you read the policy wording and summary of cover for a full list of all the policy exclusions, conditions and limitations.

We fully understand that many track cars and bikes are modified, and this may arguably increase the value beyond normal market value. We suggest you insure the vehicle for what you feel is a reasonable figure, given any modifications. This is not an Agreed Value policy, but in the event of a total loss, you can open the conversation with the loss adjuster at your level. You will be asked to justify this value, of course. The loss adjuster's background is very motorsport orientated, so he will understand the nuances of modifications. He may seek comparisons, so his recommendations are fair to both you and the insurers.

Cover is provided for accident damage which we define as following a clear and obvious impact. The Track Day Insurance Policy will NOT cover costs that are otherwise attributed to wear, tear, and deterioration. This is not a mechanical warranty policy.

This is not a mechanical warranty policy, so if your engine blows up (or any other component simply "fails"), that's a very frustrating day at the track, and there is not much we can do apart from sympathising. You ARE covered for the resultant ACCIDENT damage caused by a component failure.

Fire is covered if it is a direct result of an accident. Thus the sequence of events is (1) Oh **** (2) BANG! (3) What's that burning smell? Fire caused simply due to a mechanical failure is not covered, so stages 1 & 2 cannot be bypassed.

We do not cover for simply a broken windscreen maybe caused by a stone, bird, or a bit of someone else's vehicle. The policy excess would probably negate any such claims anyway. The windscreen is covered if it is part of a bigger accident.

The policy has a basic limitation of £80 per hour for labour inc VAT. For some makes of car, this may not be adequate. Broadly speaking, half the premium is for "labour", so if you need to increase the labour rate from £80 to £100/hour, a premium of £100 will increase to £110.

This is an online service. Our forms are short and easy to use. Instant quotes are available for (1) Bikes & (2) Cars under £60,000 (single day) For multiple-day policies &/or cars over £60,000, complete this form and we will email you a formal quotation by return. If you have something more unusual or specific, just call or email info@moris.co.uk.

All are stored in your MORIS online account. Quotes are valid for 30 days. For applications that cannot be completed automatically, we will email formal terms & conditions. All payments should be made securely online to effect coverage. The online quotation forms contain links to the Summary of Cover, Policy Wording and FAQ's.

We require you hold a valid DVLA licence for the road. The website will not automatically permit insurance for those over 70 years of age, but we can still help, so please call us in this respect. We will usually issue a formal endorsement (£22.50) where we are making policy exceptions. Additional Drivers (see below) are NOT automatically covered.

A nightmare! 90% of claims we pay that are total losses have the additional driver behind the wheel. Premiums can be loaded by up to 50%, and insurers are careful who they insure at circuits like Castle Combe, Goodwood and Nurburgring. Additional Information. Excesses may be increased by up to 50%. Think carefully about who you let drive your car. We are just the insurance bods and don't provide relationship counselling services.

Non-competitive activities on a track fall into a broad range of variations. As long as there is nothing competitive, we can cover Track Days, one-to-one tuition, experience & dealer days, training days, parade laps, filming and photo shoots. We even cover public days at the Nurburgring (excluding third-party cover).

We can cover circuits and airfields within the UK & Europe that may be used for Track Days. Dangerous circuits like Castle Combe, Goodwood, Oulton Park and Nurburgring do carry increased premiums and/or excesses. Restrictions exist where Vehicle Recovery may be required.

We can cover individuals domiciled in England, Scotland, Wales, Denmark or Sweden. This can be on any circuit within Europe.

We can cover cars that belong to another person or company if they are based in England, Scotland or Wales, Denmark or Sweden - but you must make this known on your online form. We do not provide policies that are insuring an excess of another insurer's policy.

The Total Loss Only option does exactly what it says on the tin - the policy ONLY responds in the event the bike is a constructive total loss (the cost of repairs exceeds the bike's market value). If the cost of repairs does not exceed the bike's market value, the Total Loss Only option will not cover the costs of repairing your bike. The Ground Up option covers the cost of repairs / replacement of structural components even when the cost of repairs does not exceed the bike's market value. This option also responds in case of a total loss (the cost of repairs exceeds the bike's market value).

Unless specifically agreed, the policy does not cover the costs of removal of the damaged vehicle nor of storage. There is a great option to add Vehicle Recovery to your policy which can be used to take your car from the circuit to your home or a local garage. This service can also be used should you have a mechanical failure rendering the vehicle inoperative.

This cover is only available on cars up to £60,000. The "triggering point" for making ANY claim is when the damage exceeds the stated excess amount. If you have paid to insure the excess, the insurers will pay the excess amount too. If the damage is below the excess, there is no claim. The cost of this varies, but the minimum additional premium is £24.99 for this cover. We do not provide policies that are insuring an excess of another insurer's policy.

This is a great little add-on, so in the event, you cannot drive your car home due to (1) a mechanical breakdown or (2) an accident at the track, you can EITHER use Mansfield Recovery (if you are in England, Scotland or Wales) to collect your vehicle from the circuit to take you home, OR you can make your own arrangements, and we will reimburse up to 90% of your costs (max £750 or £1,500 for recovery within Europe). Original receipts will be required. More details. Please bear in mind we are just the insurance blokes, ok. We don't do the "Recovery" bit. Circuits can be remote, and if you use Mansfield Recovery, they could take a while to arrive. Sorry. Mansfield will do their best but don't bleat to us if it takes a while. By using Mansfield, you will not be incurring any charges.

If you select this option, where circuits such as Nurburgring charge for the damage caused to their barriers, we will reimburse you for up to 90% of your costs up to a maximum of £3,000. Original receipts will be required.

This is a limited cover for death or permanent disability only. There is no cover for loss of income or medical expenses / repatriation. The cover is available in "units". 1 unit = £25,000 and costs £14.99 for a single day's cover. A maximum of four units can be purchased. Accidents can happen, and we encourage all our customers to have at least one unit of cover.