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Motorsport Personal Accident Insurance 2014

MORIS.co.uk announced their initiative with a new on-line low cost insurance for MSA licence holders. In the video Justin Everitt is interviewed with Richard Higgs one of London's leading Sports Personal Accident Underwriters.

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Created by Justin Everitt




Balls Out Ladies!

This article first appeared in The Paddock magazine Autumn 2013

MORIS Marvels of online motorsport insurance specialist MORIS.co.uk
I decided first I would look up to find where the expression “balls out” came from – it is used much in life and especially in motor sport and often “balls” – or the size of them - are used to express either commitment to a corner of outright speed over a lap or race distance – apparently. The most common answer seems to relate funnily enough to one of engineering - so not too far removed from F1. The most common answer is “balls out” is to do with a particular state of play of early steam engines whose governors were a pair of spinning balls, which described a larger and larger circle as the demand for speed increased. The more their rotational speed the more the ummm balls were “out” – so I like the link to speed (however it is used by race drivers!) and the parity with the specialist engineering of F1…

In past articles – being “the insurance bloke” I have sometimes referred to statistics and how over time the rate of F1 accidents has increased  – suggesting a different mind-set to those drivers from the “crash‘n’burn” era of F1 - sometime before young Sebastian’s father had his...eyes twinkling (phew). Mercifully the rate of serious accidents has gone down correlating to a quantum leap forward in every aspect of F1 motorsport safety be it the car design, the circuits and the immediate medical attention along with a whole host of other attributes such as HANS etc.

Most people accept that no matter how safe you make the sport it is impossible to delete the word “danger” from motorsport – that is in fact why the drivers do it. It is just like any other adrenaline-fuelled sport where junkies throw themselves off bridges or from the occasional balloon floating in the stratosphere. It is the challenge, the “getting away with it”. It is all about how far the boundaries can be pushed. Sometimes they are pushed just a little too much – sometimes lady luck just happens to be having a day off. I think it is called “living life” is it not?

Outside of F1 motorsport is very different – slower for a start. I have raced over the years in many different cars – but prefer to race open top cars because they are just more exhilarating and one feels more “out there”. My balls are of a size that prevent me from taking the next step onto a bike to experience more of that freedom and believe me going flat through Abbey feels plenty quick enough for me, so I am only to be left wondering what it must feel like in an F1 car. Gulp!

There are circuits us club racers love to play on and Cadwell Park and Oulton are often cited as a drivers’ favourites – you know – the most dangerous ones – because they too create a feel of “getting away with it” at certain points. It is what drivers like to do – but in talking with a legal eagle recently who is very involved in club motorsport litigation I was actually quite shocked just how many accidents do happen over a year of motorsport. I confess to actually feeling a little sick as to the frequency of what would be termed “life changing” injuries – especially when it affects a whole family. I am a hypocrite when I say this but the distressing thing for me to hear was that so few competitors took insurance seriously and this seems blindingly irresponsible because even I have to confess I have not always been insured for serious injury myself! However, when the distressed family is left with no immediate income they turn to the law.

Alarmingly there has been an increase in litigation in the UK against the UK Motorsport Governing body who understandably are getting a bit miffed at being on the defensive from their own licence holders. What sticks out more is the fact that it seems to be the younger competitor who is more empowered by “rights” and willingness to blame others rather than take responsibility themselves for the fact they might get hurt. Not surprisingly motorsport is not just on the radar for Health and Safety – motorsport is very much in their sight as a troubled and dangerous workplace and personally I find this alarming. “Dear H&S, we love the danger – we just need to learn to take care of ourselves more and share responsibility. Thank you. Good bye” – if only it was that easy...

Some heart has to be taken from a recent court case where the judge, knowing precisely nothing about the sport was intrigued why the video of the circuit revealed a black line through the corners. It was explained that the rubber from the tires over time marks the circuit. Learning fast the judge asked if the “black line” could be described as being the “correct” line around the circuit. The barrister confirmed this would be a fair enough summary. Turning to the injured driver who had brought the action against the circuit and governing body the judge pointed out his observation “...but your weren’t even on the black line before you left the track...“ The case was kicked out.

Recently when I was racing at Brands hatch I had the word’s “I’m Insured – Are You?” emblazoned across the front of the car and with the support of a couple of delightful young ladies we undertook a simple survey of the competitors from the weekend. Competitors were asked six questions. The last two relating to price but questions 1 and 2 were whether a competitor was insured for the meeting and if they had always raced insured / uninsured. The young ladies, (Little Ale and Anca) set about their task in earnest and like race drivers they glimpsed into a world where the point of no return is not always appreciated until it has sailed right past...
racing with justin everitt at Brands Hatch - Im insured - are you?
Not Quite F1 - but believe in first hand experience

The third question was whether, as a driver, it was “accepted” that motorsport is “dangerous”. The hapless first driver of the day to be surveyed looked around and explained he never really saw motorsport as being dangerous and could not see why they would possibly ask that. Something was gradually dawning on the ladies however – and with pen shaking and only able to fix her eyes on the clipboard – nothing else - the lady asking the final question went for it. Did the driver accept he could get “seriously injured” this weekend racing? Again the driver looked around and in a slightly bemused way explained it had never really occurred to him...

Hats off to the ladies for their own balls out “commitment” on this day. One also needs a grasp of English humour because the only driver of the weekend who was disabled, wheelchair bound because of a motor racing accident was the “first” target for our illustrious survey. He did see the funny side of this I can assure you.

The title of this article I confess to being inspired by a Top Gear article about a past F1 driver of some eighteen years ago – Taki Inoue who had a brief visit in F1 during the late 94 season and 95. As I said – F1 safety has moved on over the years but one has to wonder just what sort of cotton wool world the youngsters of today are growing into. This was how Taki explained his treatment following a slightly bizarre accident:
formula 1 insurance by justin everitt

“My helmet was totally squashed. Then I see the doctor. Usual procedure - they try to see my **** first, touching my balls. It’s true! I learned that in the UK. When balls move, the brain is fine. When big crash, scissors, take off the overalls, see the balls, hit the balls, then when balls move, this guy’s fine. If balls don’t move, then there’s a problem with brain damage, I think.”
 
I am not sure I can answer the question about why there are not more women in motorsport in quite the same way after all this.

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Formula Ford Festival supported by MORIS

Motorsport Race and Rally Insurance Services - MORIS were again supporting this years annual Formula Ford Festival at Brands Hatch run by the BRSCC. MORIS have supported the BRSCC run Festival for many years and again elected to support the opening race of the weekend being Heat 1 of the Kent Class run over 12 laps. The 2003 Zetec and 2004 Kent winner Joey Foster took a comfortable win ahead of Team USA Scholarship driver Joey Bickers, with 2010 Kent victor Neville Smyth in third.

Dominic Ostrowski of the BRSCC commented "we are delighted to have MORIS supporting the Festival again and it seem fitting that ten years ago they were presenting to a slightly younger Joey Foster so in a funny sort of way history was repeating itself today".

Justin Everitt of Motorsport Race and Rally Insurance Services added "we have become attached to the Festival over the years. It is always a great event and the BRSCC do an excellent job to make everyone enjoy the weekend - even if the weather plays havoc at times - but this makes for some exciting racing of course"

On drivers on the podium were joined by two of the MORIS Marvels - Anca and Julia who were on hand to make presentation to Joey - and be on hand for a couple of pics of course. Both our Marvels were also continuing with the driver insurance survey that we started back in late August. The Festival provided the opportunity for a different and, in the main, younger driver to be questioned and asked how dangerous they considered their motorsport to be.

It was a busy day for MORIS also who were supporting the race winning March 09R driven by our own Justin Everitt. The qualifying was just before the Kent Ford race and Justin was able to steer the car through treacherous conditions to grab pole position by a matter of hundredths of a second from Craig Murray on the super slippery Lola. This was Justin's first pole position in the March - but the race was to be a different story.......

VIDEO - CHEAP accident insurance for MSA Competitors accounced by MORIS.co.uk
 


 Justin Everitt on Google+

On Track Insurance Winners
In the collection area waiting.......
On Track Insurance specialists MORIS (Motorsport Race and Rally Insurance Services) took to the track themselves this weekend backing the beautiful March Sports 2000 Duratec car created by ex Reynard Motorsport designer, Kieron Salter.

The car was being run by Scott Racing Services who only managed to get their hands on the car for the first time with just days before the test on the Friday with the new evolution car.  Matt Manderson of First Place Finish did the majority of the testing and setup work during the Friday test so the car was able to go into qualifying for the soaking wet Saturday morning session on the legendary Grand Prix Circuit at Brands Hatch. "I think we all secretly knew the car would go well and from the get go Matt, I and the guys at Scott Racing, Trevor, Simon and Tom were focused on running right at the front and Matt did just that putting the car on the front row on it's maiden qualifying. It was a terrific showing. Neither Matt or I had driven anything in anger for over a year and with Nigel Greensall who is never out of racing cars, MCR's ploy of getting a "ringer" in paid off so pole was just out of our grasp" Commented Justin Everitt.

Matt Manderson commented "this is a truly remarkable car to drive and as I handed over to Justin for the end of the qualifying all I could say was that the car was handling like a dream.
Matt Manderson race driver insured by MORIS
Manderson - FAST!
It is just fantastic, I was having so much fun out in the wet. So many competitors were saying how wet and slippery it was, and driving this new March - it was just the best car ever out there today"

"Matt was so right" commented Everitt "I have never driven a car that had so much grip in the wet it was like driving in the proverbial "rails" out there today and on the more slippery parts of the circuit the car just gave you so much confidence that sometimes if you entered too quickly into a corner it would just stay so neutral that you felt you were just floating around the track. I could stay out all day in the car today if I could"

Justin Everitt took the reins for the rolling start. He was a little trigger happy as they came up to the line and quickly realised he would have to give the lead into Paddock back to the pole position driver. "I was just a bit too impatient and eager I think" explained Everitt afterwards, "so I "reset" my "racing now" switch to the exit of Druids. The first few corners were very slippery but down the back straight the March just stormed past the MCR and I was leading by the time we returned to the Indy Circuit" Thereafter Everitt just drive away from the rest of the 38 car grid....

Matt Manderson took charge when Everitt pitted for the driver change at around mid point of the race and just pulling out the lead further. "It was so easy in the new March, I could have driven even quicker but there was no point throwing away what seemed to be a commanding position so I just kept a solid pace and we won an entire lap ahead of everyone else"

Motorsport Race and Rally Insurance Services with Scott Racing
"The team did a great job today"
Scott Racing Services team principle Trevor commented "This is just such a happy victory for everyone today. We had only days to prep the car. This is a unique car so there were no reference points and so we were all thrown into the deep end on Friday. Between myself, Simon and Tom we had to make some bold decisions regarding the set up of the car but it worked like a dream. The car ran faultlessly so we are of course relieved about that but it is always a lovely feeling as a team when you are presented with a short notice challenge like this and everything works so well immediately. Justin and Matt did a fantastic job out there today in very difficult conditions but neither of them put a foot wrong. They both raved so much about the car so I am hoping we have a chance to run the car and the drivers again in the future".
March race car wins at Brands Hatch sponsored by MORIS Insurance
Salter - F1 designer of tomorrow

"The result marked so many "firsts" commented Kieron, "not least the first win for the car and I am glad that Matt and Justin did it together since they undoubtedly both wanted to be able to claim this. I am especially pleased because we have always known how quick the car is and we just needed a little time to refine the handling. Scott Racing Services did a fantastic job getting the car ready and are adamant now they have had their hands on the car that with a little more time they could make it even faster. This is definitely a championship winning car so our focus now is on 2014"

 

Motorsport Insurance Survey

MORIS Motorsport Insurance listening to licence holders
The MORIS ladies at work
Motorsport Insurance Survey's are a feature of the MORIS.co.uk as Justin Everitt explains "we have worked closely with clubs like the BRSCC before in 2010 when we commissioned a survey to establish some meaningful data to assist our On Track insurers with establishing the true costs of club level motorsport. Too many insurers are led by too many brokers simply making blind guesses all the time. We prefer to working from meaningful data. We recently asked a third party to google "Motorsport Insurance" and contact ten of the first fifteen companies that came up. They were tasked with establishing some key comparisons with buying motorsport insurance on-line with contacting a regular insurance broker who provide motorsport insurance. The results of that survey we will be releasing later in the year.

"Today was about asking drivers directly about their own particular perceptions of the dangers of motorsport and whether they have insurance or not. The results and feed back was most interesting and we will be adding even more improvements to our on-line motorsport insurance services later this year"

Winning with MORIS Motorsport Insurance

Race Driver Insurance"At a soaking wet Brands Hatch today MORIS were winners, but our goal is the be the largest and most accessible on-line motorsport insurance provider. MORIS was a "world first" the March had it's first win today so as a business our aim is also to simply be first, but we can only do that by talking, listening and taking part with competitors ourselves - we still aim to be very human"

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