RE: 'Ring Insurance Could Save You £1000s
Discussion
Comadis said:
its classified as public road but in reality NO insurance will pay anything if you tell them where it happend, because they all exlclude "the ring" in their terms..also they can see from the claims on the invoice of the nürburgring-gmbh where it happened.
Really?So all those German drivers knowingly drive the ring just as uninsured as us Brits?
What do you know that all of the other commentators on this don't, or have they all just quoted the same anecdotal statement as each other???
was there last August after a huge 8 car and motorbike pile up, after a german guy's 911 dropped its oil and the other cars ran through it, piling into each other and the expensive armco, the Ring was closed for the rest of the day while things were sorted
the following day i had a passenger ride in the Zacspeed their driver was limping (he was driving their other viper and it been written off in the accident) the bill was expected be around 800,000 euros
imagine if thats was a British driver...
the following day i had a passenger ride in the Zacspeed their driver was limping (he was driving their other viper and it been written off in the accident) the bill was expected be around 800,000 euros
imagine if thats was a British driver...
Edited by Viper on Tuesday 21st July 22:22
Ok newbie first post. Interested in going to the Ring. Would like to go, and come back safely. However if I have an accident would like to be covered.
From the info I have read in the rest of the posts it's pretty much pot luck on whether you standard fully comp policy will cover you. I know mine (swift cover) only covers me for 3Party for trips of 4 days.
So I have got myself european cover for 80 days from AA circa £80 fully comp in europe yay. so not been and looked through paperwork (t&c's) but should I expect to be covered?
Also as the german insurers do classify the ring as a public road, is it possible to get insurance via a german insurance company. may be more expensive but for those who want the peace of mind...
Thoughts anyone?
From the info I have read in the rest of the posts it's pretty much pot luck on whether you standard fully comp policy will cover you. I know mine (swift cover) only covers me for 3Party for trips of 4 days.
So I have got myself european cover for 80 days from AA circa £80 fully comp in europe yay. so not been and looked through paperwork (t&c's) but should I expect to be covered?
Also as the german insurers do classify the ring as a public road, is it possible to get insurance via a german insurance company. may be more expensive but for those who want the peace of mind...
Thoughts anyone?
No to German insurance, unless you are a resident with a German registered car.
As to whether or not you're insured - read your T&C's
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
As to whether or not you're insured - read your T&C's
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Edited by ringweekends on Tuesday 21st July 22:33
ringweekends said:
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Posts like that are misleading, yes they accept it and will grant 3rd party cover, however they will then seek to claim their costs from you.Edited by ringweekends on Tuesday 21st July 22:33
ringweekends said:
No to German insurance, unless you are a resident with a German registered car.
As to whether or not you're insured - read your T&C's
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
As to whether or not you're insured - read your T&C's
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Spot the businessman trying to protect his own interests ahead of his clients by making misleading statements!
[Shouldn't this sort of thing be censured on PH?!?]
Dakkon said:
ringweekends said:
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Posts like that are misleading, yes they accept it and will grant 3rd party cover, however they will then seek to claim their costs from you.Edited by ringweekends on Tuesday 21st July 22:33
ridds said:
Dakkon said:
ringweekends said:
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Posts like that are misleading, yes they accept it and will grant 3rd party cover, however they will then seek to claim their costs from you.Edited by ringweekends on Tuesday 21st July 22:33
Dakkon said:
ringweekends said:
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Posts like that are misleading, yes they accept it and will grant 3rd party cover, however they will then seek to claim their costs from you.Edited by ringweekends on Tuesday 21st July 22:33
Dakkon said:
ridds said:
Dakkon said:
ringweekends said:
Edited to add - UK insurers accept the Nordschleife during TF is a public road too and will pay 3rd party claims.
Posts like that are misleading, yes they accept it and will grant 3rd party cover, however they will then seek to claim their costs from you.Edited by ringweekends on Tuesday 21st July 22:33
I find this all very interesting, but there is of course the other side that as a public road, you drive within your capabilities and keep an eye out of other issues. I know the very nature of the 'Ring is that people wish to drive faster because they can, but then it should be about your safety above anyone else's and just being smart.
I've done the Ring a few times - first time in my WRX PPP and had a lot of fun, but was always within my limit. It was the thrill of being able to drive what I consider to be the greatest circuit in the world. It was a nice day, traffic but not too much to make it un-enjoyable and worth the punt of going at it without being properly insured.
Of course, accidents and incidents can happen, but you take that as a risk. Your fast lap time has to come second if someone up ahead is a poor driver, or you get an instinct, or anything else. If you don't like the risk you don;t do it, or you drive around at a far slower speed and thus can avoid incidents when or if they happen.
The second time we did it was by flying to Cologne first thing in the morning, hiring a car from Budget (they used to hire and may still do all sorts of fun stuff), but most had limited km's which would cost a lot more, so the best I could get that had unlimited kms was a 1.8T Audi TT. Drive it to the ring, did about 10 laps and had a blast and did a faster time than in the WRX (which is half about knowing more the circuit and half about not using the AWD in the Scooby enough), and it was great. Drive the car back to the hire place and all was fine.
We did not abuse it as 50 laps over a few days would have done and we took a risk but we drove sensibly. Again, it was the fun of doing the Ring and not about being able to drive as fast as I like - I can do that in the UK if I wanted to.
The Ring should be enjoyed but respected - it has a mighty bite if it catches you napping!
I've done the Ring a few times - first time in my WRX PPP and had a lot of fun, but was always within my limit. It was the thrill of being able to drive what I consider to be the greatest circuit in the world. It was a nice day, traffic but not too much to make it un-enjoyable and worth the punt of going at it without being properly insured.
Of course, accidents and incidents can happen, but you take that as a risk. Your fast lap time has to come second if someone up ahead is a poor driver, or you get an instinct, or anything else. If you don't like the risk you don;t do it, or you drive around at a far slower speed and thus can avoid incidents when or if they happen.
The second time we did it was by flying to Cologne first thing in the morning, hiring a car from Budget (they used to hire and may still do all sorts of fun stuff), but most had limited km's which would cost a lot more, so the best I could get that had unlimited kms was a 1.8T Audi TT. Drive it to the ring, did about 10 laps and had a blast and did a faster time than in the WRX (which is half about knowing more the circuit and half about not using the AWD in the Scooby enough), and it was great. Drive the car back to the hire place and all was fine.
We did not abuse it as 50 laps over a few days would have done and we took a risk but we drove sensibly. Again, it was the fun of doing the Ring and not about being able to drive as fast as I like - I can do that in the UK if I wanted to.
The Ring should be enjoyed but respected - it has a mighty bite if it catches you napping!
I've revised the article this morning with the text below. There's seemingly a lot of confusion around Nurburgring cover in general - so caution is recommended!
Editor's Note. This insurance does not provide full 3rd party cover, or cover against general public liability claims at the Nurburgring - it is for costs of repairing damage to the track caused by the fault of the policy holder (subject to the policy T&Cs).
Editor's Note. This insurance does not provide full 3rd party cover, or cover against general public liability claims at the Nurburgring - it is for costs of repairing damage to the track caused by the fault of the policy holder (subject to the policy T&Cs).
black_rex said:
Fact is with or without the specific wording, a UK insurer will not pay out your claim at the Ring.
I'm sorry - this is not a fact and is untrue.The 'fact' is, these matters are decided on a case by case basis depending upon the terms of policy wording on your insurance. Your insurance is not the same as my insurance is not the same as Dakkon's insurance. As with most things in life, you purchase insurance to your requirements, mine were fully comp insurance for a UK registered car for use on the Nordschleife on Touristenfahrten, which is the cover I have.
I do accept, especially being aware of Dakkon's case - that there is the 'we'll sue your ass anyway' clause - but again, that is policy specific and means you have to do your homework to get the policy that meets your requirements.
In an ideal world we would steer clear of sweeping generalisations and focus on facts, but I accept we're on the internet so anything goes.
IMO The Mightyyid has made a great point about how to approach driving the place - good advice everyone should heed.
See you over there
Edited by ringweekends on Wednesday 22 July 08:10
Chris-R said:
I've revised the article this morning with the text below. There's seemingly a lot of confusion around Nurburgring cover in general - so caution is recommended!
Editor's Note. This insurance does not provide full 3rd party cover, or cover against general public liability claims at the Nurburgring - it is for costs of repairing damage to the track caused by the fault of the policy holder (subject to the policy T&Cs).
That's good - perhaps you could tweak the heading a little Editor's Note. This insurance does not provide full 3rd party cover, or cover against general public liability claims at the Nurburgring - it is for costs of repairing damage to the track caused by the fault of the policy holder (subject to the policy T&Cs).
mightyyid said:
I find this all very interesting, but there is of course the other side that as a public road, you drive within your capabilities and keep an eye out of other issues.
However, your car, whilst pootling along "well within your capabilities" spews coolant/oil/PAS fluid, etc on the track.....
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