Personal Accident Cover FAQs

This is a limited cover and only provides for Death and Permanent Total Disability following accident only. There is no provision under this policy to provide cover for loss of income or emergency medical expenses or repatriation.

This varies from person to person, it entirely depends upon your needs. By way of assistance you should bear the following in mind when deciding which benefits to insure:

• Death - this is a lump sum that is paid to your estate should you die as a result of an accident on your track day. You may wish to consider any outstanding mortgages or other loans etc that would need to be settled upon death. Please note that this is not a Life Insurance policy and does not include death through illness.
• Permanent Total Disability - this is a lump sum that would be paid should you be permanently totally disabled suffering loss of independence and inability to perform at least four out of six specified tasks. As a rule of thumb, the sum insured should be no more than five times your annual salary. If you do need to insure for higher limits, please contact us since insurers may require a formal justification of the sum you are seeking to insure.

It is important to understand that if you are engaged in an occupation where even the slightest injury could bring your career to an end (e.g. surgeon / pilot / professional sportsperson / dancer) this is NOT the policy for you and we would recommend a more specific insurance so please contact us for further details.

No. Cover can only be arranged on a daily basis.

Personal Injury insurance is a policy benefit and the cover, once in force, is not affected by other insurances.

This insurance is only in respect of your track day activities.

Yes. It does not matter who or what caused the accident in which you were injured.

The claim would have to come from your estate and we suggest that any interested party is made aware of the existence of this policy if you have opted for death cover.

Cover for track day participants is limited for Death and Permanent Total Disability. This is only available on a daily basis and specifically excludes any form of competitive driving. Cover for competition licence holders does cover competitive driving and can include Partial Disability, Loss of Income and Medical Expenses, on a seasonal basis.

No. This cover is only in respect of your non competitive track day activities.

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 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 us.