I'd get cover on the Zed, it's fun to drive it harder than you can on the road and you're already familiar with it. I used moris too http://moris.co.uk The setup of the cover was easy, but obviously you only find out how good they are if you claim. I couldn't have lived with myself if I'd gone and not got cover and wiped her out, so it was a simple decision. It also covered getting her home if the worst should happen, that alone would be slice if you had to pay it yourself.
Have fun