Insurance for 'ring.
Discussion
Off to the ring again in a month or so and need to sort insurance.
Does anyone know of an insurance company which will insure fully comp for ring use.
I know it will have to a specialist company and not normal insurance.
I don’t want to get involved with the am I, aren’t I covered of regular insurance terms and conditions, and before anybody says it no I won’t phone them up and ask.
Thanks in advance
Does anyone know of an insurance company which will insure fully comp for ring use.
I know it will have to a specialist company and not normal insurance.
I don’t want to get involved with the am I, aren’t I covered of regular insurance terms and conditions, and before anybody says it no I won’t phone them up and ask.
Thanks in advance
It's the old de-restricted clause and I know the ring technically has several speed limits.
I want cast iron cover and don't want to have spend ages worrying and wrangling after the event. I have used competition car insurance in the past but if i recall correctly they would only cover my vehicle which is not my main concern as although it would hurt i can afford to lose it.
I don't want to sell/remorgage my house if I am found to be at fault for writing off a 911 etc.
I want cast iron cover and don't want to have spend ages worrying and wrangling after the event. I have used competition car insurance in the past but if i recall correctly they would only cover my vehicle which is not my main concern as although it would hurt i can afford to lose it.
I don't want to sell/remorgage my house if I am found to be at fault for writing off a 911 etc.
I know exactly what you mean but I am not looking for a regular insurance company who haven't made their terms and conditions water tight for the ring.
I am looking for a track day type insurance with a company who are specifically willing to cover the ring. There must be a market for it as trips to the ring seem to be common place now.
I am looking for a track day type insurance with a company who are specifically willing to cover the ring. There must be a market for it as trips to the ring seem to be common place now.
Thanks for the replies.
I am looking for fully comp cover from a specialist company so that the cover is clear and guaranteed, perhaps it doesn’t exist or will be too expensive but was hoping for some recommendations.
I mention the third party risks because they are the really scary ones, writing off somebody’s expensive car or worse a personal injury claim.
I will not drive on the track without proper cover and I want fully comp because there must be a huge number of uninsured drivers on there.
Maybe I just have to soak up the atmosphere this year and enjoy the local area.
Cheers
I am looking for fully comp cover from a specialist company so that the cover is clear and guaranteed, perhaps it doesn’t exist or will be too expensive but was hoping for some recommendations.
I mention the third party risks because they are the really scary ones, writing off somebody’s expensive car or worse a personal injury claim.
I will not drive on the track without proper cover and I want fully comp because there must be a huge number of uninsured drivers on there.
Maybe I just have to soak up the atmosphere this year and enjoy the local area.
Cheers
Richard,
You may be right but my problem is that it is still taking a chance especially given the number of exclusions in most policies, de-restricted toll road, track days and racing etc.
I'm just not willing to risk it unless i can find cover which explicitly covers third party risks on the ring and this seems to be the difficult part as cover for my own vehicle is easy to arrange.
You may be right but my problem is that it is still taking a chance especially given the number of exclusions in most policies, de-restricted toll road, track days and racing etc.
I'm just not willing to risk it unless i can find cover which explicitly covers third party risks on the ring and this seems to be the difficult part as cover for my own vehicle is easy to arrange.
I am coming to the same conclusion. It appears that most are either on wing and a prayer using their road cover and hoping they can argue the toss over exclusions or they just accept they're not covered. Which is madness as the risks or rather the consequences are huge.
Given how popular the ring has become over the last few years I can't believe that there isn't a company catering for this market. It's a real shame as I won't drive the track again at this rate even though I treated like a fast a/b road rather than a balls out day at a UK track.
Given how popular the ring has become over the last few years I can't believe that there isn't a company catering for this market. It's a real shame as I won't drive the track again at this rate even though I treated like a fast a/b road rather than a balls out day at a UK track.
kusee pee said:
I understand the difficulty of getting your own car covered at the Ring but the question of third party cover surprises me. As far as trackdays in the UK go, people accept the risks to their own cars and if you are involved in an incident you pay for your own. There was a court case recently in the UK where this was upheld (a Porsche trackday company was being sued for causing an accident and the judge said that if you go on track you accept the risks). I'd presumed that this was the case at the Ring too. Are people saying that drivers at the Ring go around suing each other? Or do insurance companies try to claim liability from other Ring drivers?
Cover for your own vehicle is easy, armco & track closures difficult and guaranteed third party nigh on impossible.
Imagine the scenario where you held to be responsible for causing an accident where 90k worth of 911 is written off or far more scary a motorbike rider is badly injured.
If you are not insured for their loss then I can quite easily see a civil case forthcoming to recover the costs. If you're lucky it'll be a few thousand and if you're not up to several million. Don't fancy selling my house and working for the rest of my life to pay that off.
I would love to be wrong about this but I am not sure I am. The Nordschleife is an amazing place and fantastic to drive but at this rate i don't think I will ever be able to do it again and that's extra frustrating as I am off there again in a month.
Edited by NCC1701 on Tuesday 15th May 22:48
The ring is different to UK trackdays because it is a public road. I guess that most german drivers are covered on their standard road insurance.
If you have an accident on a UK track it is very unlikely that the BiBs will be called where as this regularly happens on the ring. Amongst other things you can be prosecuted for driving without insurance and leaving the scene of an accident if you fail to stop.
I also think you are more likley to be judged at fault when dealing the BiBs because you are a foreigner and for most language is also a problem.
It strikes me that if you are badly hurt or you car is written off by an uninsured driver on a public road remember then some form of claim is going to be forthcoming.
If you have an accident on a UK track it is very unlikely that the BiBs will be called where as this regularly happens on the ring. Amongst other things you can be prosecuted for driving without insurance and leaving the scene of an accident if you fail to stop.
I also think you are more likley to be judged at fault when dealing the BiBs because you are a foreigner and for most language is also a problem.
It strikes me that if you are badly hurt or you car is written off by an uninsured driver on a public road remember then some form of claim is going to be forthcoming.
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