If you have thought about saving money on your trackday insurance, we've got a couple of ideas for you. At Moris we get that trackdays can be quite costly. And, of course, adding the cost of insurance doesn't make it any cheaper.
However, if it's only due to price, we'd hate to see you miss out on having the peace of mind that good coverage provides when you take a car on the track. Here are 3 tips on how to reduce your premium:

• Share the risk
• Insure less
• Raise the excess

 
Share the risk – reduce your price
Co-insurance is a new offering, where you can lower the cost of your insurance, by sharing in the risk. Here, any claim above the policy excess will be shared between you, as the policyholder, and us. A typical example is a 10% co-insurance, which will give you a much cheaper premium.

Here’s how it works:
Let’s say you have taken 10% co-insurance on your trackday insurance to reduce the premium. You go on your trackday, have loads of fun and fortunately, no one decides to bump into you on track. All is good and well, and you got yourself a great deal on the insurance price!
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In the same example, let’s assume you’re unfortunate and have an accident on track. The repair work for your car will be £10,000. You have £1,000 excess, so you’ll have to pay that. Of the £9,000 remaining on the repair bill, you also cover 10% from the co-insurance, so that total cost for you will be £1,900 and we’ll cover the rest.
 
Insure less – reduce your price
If you insure less than the full market value of your car, then you can reduce your premium.
Say the market value of your car is £40,000, then you can choose to insure only a part of that, for example, 27.5% or 50% of the full value. However, the premium does not reduce proportionately since the first 50% of the vehicle's value is the most exposed part of the value.
 
Raise the excess – reduce your price
This is a classic, and you probably already know this from your other insurances. When you get your cover and are willing to set a higher excess sum, you will reduce the premium.
 
Read more about the options on our FAQ, and book your cover today!

As a true track day aficionado, we bet you're always on the prowl for some new, great track day adventures? Well, being the holiday season and all, why not pop over the pond and test your skills on some of Europe's best circuits? From the sweeping curves of Spa-Francorchamps to the high-speed straights of Monza, there are countless tracks around Europe that offer a thrilling driving experience. In this blog, we'll explore the top 5 most thrilling race tracks in Europe for track day drivers.

Nürburgring Nordschleife, Germany
Known as the "Green Hell," the Nürburgring Nordschleife is one of the most challenging and thrilling tracks in Europe. With 154 turns and 12.9 miles of track, it's a true test of a driver's skill and bravery.

Circuit de Spa-Francorchamps, Belgium
The Circuit de Spa-Francorchamps is one of the most iconic tracks in Europe, with its famous Eau Rouge corner and sweeping curves. It's a favorite among track day drivers for its mix of high-speed straights and technical sections.

Circuit de la Sarthe, France
Home to the famous 24 Hours of Le Mans race, the Circuit de la Sarthe is a challenging and exciting track for track day drivers in Europe. Its long straights and tight chicanes make it a true test of a driver's skill and endurance.

Autodromo Nazionale Monza, Italy
The Autodromo Nazionale Monza is one of the most historic and thrilling tracks in Europe. With its long straights and high-speed corners, it's a favorite among track day drivers who love to push their cars to the limit.

Circuit de Barcelona-Catalunya, Spain
The Circuit de Barcelona-Catalunya is a popular track for track day drivers in Europe. Its mix of high-speed straights and technical corners make it a challenging and exciting track that offers a true test of a driver's skill.

These are just a few of the most thrilling race tracks in Europe for track day drivers. Whether you're looking for a challenging and technical track or a high-speed thrill ride, there's a track out there that's perfect for you. So, pack your bags, grab your helmet, and get ready for the driving experience of a lifetime – but remember to take out insurance cover before you go!

High-speed corners in motorsports, whether in Formula 1, motorcycle racing, or other disciplines, involve complex physics that drivers and engineers must understand to optimize performance and safety. Several key principles contribute to the dynamics of high-speed cornering:
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Going Around Turns:
When a race car goes around a corner really fast, there's a force trying to push it outward. This happens because the car wants to keep going straight, but the corner is making it turn.

Grippy Tires:
The tires of the car need to stick well to the road to make sure it doesn't slip. Engineers make special tires to provide good grip, so the car can handle the turn smoothly.

Pushing Down:
To help the tires grip better, race cars have things like wings and other parts that push the car down onto the road. This helps the tires stay in control, especially at high speeds.

Smooth Ride:
The car's suspension (the system that connects the wheels to the car) is set up to keep the car steady during turns. This makes sure the tires stay in contact with the road.

Balance and Weight Shift:
When the car turns, its weight shifts from one side to the other. Engineers use special bars and settings to make sure this weight shift doesn't make the car lose control.

Driver Skills:
The driver is like the captain of the ship. They steer, accelerate, and brake at just the right times. They also use smart techniques, like easing off the brakes while turning, to keep the car in control.

​Smart Car Systems:
Many cars have clever systems that help out. They can adjust how each wheel is doing, apply brakes, or change engine power to keep everything in check.
 
Putting all these things together helps a race car take on high-speed corners without skidding or spinning out. It's like a dance between the driver, the car, and the road!