I use Moris, who are very easy to deal with and cheap but sorry I can't comment on how they deal with claims since I fortunately I haven't needed to make one :) £135 seems reasonable to me. I'll offer an alternative POV to martyn... For me road cover that includes track day insurance was at least a £300 premium on road-only insurance. I'd have to do 3 TDs a year to make it worthwhile. In the first four years I did one TD a year so seperate TD insurance has worked out cheaper. Also you cannot always add friends temporarily to annual policies. My road insurers (Adrian Flux) do not allow that because I already have two named drivers (Dad and Wife) and that is the maximum allowed. This year I have actually done four track days so it might have been cheaper to change annual policy but instead, to reduce the costs, I planned in advance and bought one policy to cover multiple specific days and drivers. Moris are web-based and it is very quick and easy to get quotes and but cover, particularly if you have been quoted before because all info is saved. I've also bought from CCI but they seem to be more expensive. Jim