We understand there may be many questions when it comes to track day insurance, therefore we have built up a comprehensive resource of answers to those questions (depending on the subject matter).
As defined by the BIBA Jargon Buster a "third party" is simply a person claiming against another person or body who is described as the Insured (policyholder). In insurance terminology the first party is the insurer and the second party is the insured person, so the one doing the claiming is the "third" party. Third Party can include damage to someone's property (car, Armco, track, building) or bodily injury - and that is anything from minor cuts and bruises to death!
No. You have no coverage for any liability to third parties, whether personal injury/death or property. Damage is your problem following a test ruling at Wolverhampton County Court. His Honour Judge Mitchell concluded that if someone crashes into you on a track day, even if it is clearly their fault - then tough! The judgement followed a case where a driver under tuition collided with a track day participant who then sued for damages. In essence the judge's ruling is that anyone participating on a track day is aware of the potential risks involved and has a choice of not driving on to the circuit. (Source: Circuitdriver.com, April 2007).
The disclaimers that are signed do have a bearing on the acceptance of the fact that everyone on the track has VOLUNTEERED to be there is the first place. No one is making you or anyone else get out there, and no one is encouraging you to drive beyond speed you feel comfortable with. Race circuits are however an alien environment and can feel strange and wide. Open circuits like Silverstone can actually feel quite pedestrian - until it all starts going wrong. So, take responsibility for yourself, protect yourself, and your machinery.
Click here if you specifically want to understand more with regards to Nürburgring Insurance.
Much for the same reason many motor insurers won't cover trackday damage. There is an increased "risk" for starters, but also on a track day you are driving / riding outside of all the "norms" of the public highway. Speed Limits, Cornering Speeds, Braking Distances etc are all abandoned in the quest for your days fun and travelling at speed outside of the framework of regular highway use effectively removes the comfort of the "known" factors for insurers.
Probably not! Ask your insurers. Increasingly, policies specifically exclude track days. If the insurers suggest that they will cover track days, get it in writing first and make sure they explain the extent of cover.
No. The insurers on our track day policies are not part of the regular motor insurance market. Cover is basic and claims are not handled in the same way as road risks policies.
The precise phrase we are referring to is
Cosmetic damage or damage caused sliding the bike into a gravel trap.
The "thrust" of the track day insurance product is crash damage. Unlike cars, bikes don't spin; they get dropped. This is part and parcel of being a biker. Dropping a bike and sliding gracefully along the track / into a gravel trap is NOT a “proper” crash. Years ago when we started insuring bikes on track days, we paid a number of very expensive claims from Ducati owners who had done nothing more than scratch the pretty bits in the gravel. The bike had not endured solid contact with anything and we decided to exclude claims that are simply “cosmetic” (principally caused by gravel rash).
It is more of a challenge for us to put the “thinking” behind a decision into a policy wording, but the thought process at this end was
…look mate, if you just drop your bike and slide into the gravel and make a claim then this is just, well… embarrassing. We want proper accidents… you know, accidents you can brag to your mates about in the pub. A bit of gravel rash we regard as predictable wear and tear of taking a bike onto a circuit.
So, in practical terms what does this mean? If you drop the bike (or high side it) and the bike
If people are worried about the pretty bits then, either (1) take them off, (2) fit cheaper plastic ones or (3) pay more to insure them. Gravel rash in isolation is not a proper “crash” in our books.
To hopefully give you additional comfort here – if the bike is crashed and ends up in the gravel trap then we would be happy to look at the damage as an “accident”. We do always recommend taking pictures of the bike at the track (BEFORE leaving the pit lane). This way it makes things clearer for the insurer’s loss adjuster.
Yes, but we are only doing this for track day cars valued under £40,000. This works on a "Franchise" basis which basically means that the damage still has to be over the stated excess amount to "trigger" a claim in the first place. If you have taken advantage of this option then insurers will also pay the policy excess for you. Make sure you understand how this option works if you are in any doubt.
Probably you are embarking on a PUBLIC day or what the Germans call Touristenfahrten. The "rules" are very different regarding third party cover for The 'Ring if it is a private TRACK DAY as opposed to a PUBLIC DAY. For more comprehensive details specifically on Nurburgring Third Party Insurance click here.
Subject to policy conditions, you are covered whether damage is caused by you or another party.
Yes. It is covered 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.
Yes. Our insurers will pay for any resultant accident damage BUT we don't pay for the cost of the item(s) that would have simply broken or stopped working.
For specified makes with a market value of under £40,000 you can obtain quotations and cover online within minutes. For values over £40,000 we require a different form to be completed and we are able to provide cover up to £60,000 depending on the car and circuit combination.
Insurers will pay up to the sum insured under the policy less the policy excess and you are liable for all costs over and above this amount.
Yes, but they are a nightmare! Most claims are caused by additional drivers and none of the accidents are small! The excess and premium carry considerable loading. We must have full details of their name, age and driving experience in the relevant sections of the quote page and have received the full premium. If you add a secondary driver who is a professional, qualified driving instructor we will not adjust the excess and only charge a flat £25 for the additional driver.
No, we cover only the costs of standard paintwork and parts unless the policy has been otherwise specifically extended.
If insurers have paid for any replacement parts, they have the right to retain the damaged parts as salvage. Likewise, if the insurers have paid out on the basis of a total loss, they have the right to retain all salvage.
No. Insurers may at their option repair or replace damaged parts with identical parts or of the same quality but they are not bound to use solely manufacturers' parts unless you pay the extra costs.
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 market value of the bike). 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.
The Ground Up option covers the cost of repairs / replacement 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).
No. Insurers may ask that two estimates are obtained and they use a panel of repairers from which they may choose a company depending on make and model and location, price etc.
Unless specifically agreed, insurers will pay only for standard parts and you must pay any extra costs.
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.
Yes, it is possible to insure several track days even if you are unsure of the date(s)/(circuit(s). You can log the date(s)/circuit(s) online in your account. It is free of charge to notify us of the date(s)/circuit(s). Read more about Multi Track Day Insurance.
Unless specifically agreed, the policy does not cover the costs of removal of the damaged vehicle nor of storage.
No. The information you have provided to us will only be held by us and the insurers we use for the purpose of the policy(ies) of insurances you arrange through ourselves. We will NOT send any of your details to "carefully selected organisations" since we respect the fact it is really frustrating receiving unsolicited mail. We may use your details to contact you further should we have news of insurance products or changes to your policy, but this will be on the basis of "sharing information" not advertising or promotion. This information we reserve to publicise through the MORIS.co.uk Blog on the home page of our website.
You have the right to ask for a copy of the information held by us in our records but we may ask you to pay a small fee. You also have the right to ask us to correct any inaccuracies in your information by writing to us. If you want to know more about our use of your personal information, this should also be done in writing to the above address.