'Ring insurance - I am covered on tourist days!

[foxsasha]

Gav147 said:

Yes it is, was quoted on a TF Date, I've just rung them to double check how they work it and was told they just class Tourist or Track days as the same.

Edited by Gav147 on Monday 25th July 11:36

But third party is what you want. The value of your vehicle is likely to be a drop in the ocean compared to the claim the biker you've just knocked off will throw at you.

[Gav147]

Yeah that is why I pointed it out.

[nickfrog]

Dakkon said:

agtlaw said:

BluePurpleRed said:

I think your insurer is obliged to cover the Third Party claim and then comes and chases you ....

Is anyone aware of that happening since the end of 2014?

Why after the end of 2014, did the law change?

Don't hold your breath for a clear answer - agtlaw keeps alluding as to a change since 2014 but remains cryptic when asked to clarify and share his "knowledge".
In doubt, I would ignore the guy.

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

He should be a lawyer...

[Soov535]

nickfrog said:

Dakkon said:

agtlaw said:

BluePurpleRed said:

I think your insurer is obliged to cover the Third Party claim and then comes and chases you ....

Is anyone aware of that happening since the end of 2014?

Why after the end of 2014, did the law change?

Don't hold your breath for a clear answer - agtlaw keeps alluding as to a change since 2014 but remains cryptic when asked to clarify and share his "knowledge".
In doubt, I would ignore the guy.

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

He should be a lawyer...

He is. One of the most well respected motoring law specialists.

[nickfrog]

I know, I was being sarcastic. But not complimentary.

[nickfrog]

We're still none the wiser as to what may have possibly changed since 2014, so a fair assumption is probably "nothing". I hope I'm wrong.

[Pip1968]

I did post this on the other long running Nordschleife thread as Atglaw sked for a copy of it. So looks as though it is all linked in to the 'tractor' http://www.thetimes.co.uk/tto/money/insurance/arti...

the bottom line is the biker needing entire life care is a tiny fraction of likely insurance claim incidents there. I think bikers are separated now. It is shame there is not a Freedom of information act there as I would be interested to see the number of deaths and serious injuries on the track. With many in six point harness and roll cages and helmets I cannot imagine the numbers are high.

I was with CCI and moved to Manning but may go back to them if they have changed their tune. I should add that I find Manning and excellent and professional company to deal with (although I have not had to claim).

Pip

[foxsasha]

Pip1968 said:

I should add that I find Manning and excellent and professional company to deal with (although I have not had to claim).

+1 Ive got two policies with them now.

[DiscoColin]

Pip1968 said:

I would be interested to see the number of deaths and serious injuries on the track. With many in six point harness and roll cages and helmets I cannot imagine the numbers are high.

There were 2 fatalities in an incident during TF just last weekend (as reported by Dale on BtG and mentioned during the commentary on the global feed for Sundays WEC race), but they are still very rare. Actual statistics are said to be misleading as in the past a lot of fatalities were recorded en-route to or at hospitals and thus weren't included in the figures for the circuit. But as for serious injuries, they certainly happen fairly often if you measure it in terms of the number of times that there is a red flag and the ambulance is sent out on to the circuit. I've seen the aftermath of too many crashes to discount the seriousness or frequency of them, even though I haven't driven any TF for years now (most of my time there is on track days when it is extremely rare for any accident not to be a walk-away).

[git-r]

shakotan said:

Not worth the paper it's written on.

I'm just back and thankfully no problems.

Just to clarify - did you email them on 22 July 2016 to get the response you copied and pasted?

That's very different to the response I got:

"Just a quick email to confirm, that as long as you are abiding by the highway code, and the Nordschliefe track is being used as a public toll road, you will be covered through your comprehensive insurance.

If the track is closed for a private track use, there will be no cover in place."

So you're saying that them emailing me telling me that I will be covered through my comprehensive insurance actually means they will pay out then seek to recover their costs from me? If so, that's bocklocs!!!

[Misterv]

Ok, so just to summarise, im presuming it is better to find some sort of personal cover incase of causing loss of or damage to life, aswell as a vehicle insurance that is ring specific? ontop of a normal uk insurance policy?

[shakotan]

git-r said:

shakotan said:

Not worth the paper it's written on.

I'm just back and thankfully no problems.

Just to clarify - did you email them on 22 July 2016 to get the response you copied and pasted?

That's very different to the response I got:

"Just a quick email to confirm, that as long as you are abiding by the highway code, and the Nordschliefe track is being used as a public toll road, you will be covered through your comprehensive insurance.

If the track is closed for a private track use, there will be no cover in place."

So you're saying that them emailing me telling me that I will be covered through my comprehensive insurance actually means they will pay out then seek to recover their costs from me? If so, that's bocklocs!!!

Yes, I emailed them on the 22nd of July.

My first enquiry got me exactly the same reply as your above, then when I pressed them further, I got the addtional response which I posted in my reply earlier.

They only cover damage to YOUR vehicle, not the thing you hit. That's what they mean when they same your are covered by the Comprehensive part, as only Comprensive cover will reimburse you for damage you cause to your own car. What they fail to mention, or at least mention when pressed, is that in this instance the Third Party part of your Policy really isn't worth a jot, and they'll attempt to reclaim any monies paid to Third Parties involved, be it damage to the Ring, or to another vehicle/occupant.

[git-r]

Thank you for your reply, when something seems too good to be true....

That's disappointing as when they say comprehensive I along with probably a lot of others would understand that very differently.

I'll give them a bell tomorrow mentioning injury to others/barriers etc and see what they say. It would be so fantastic if this was a proper comprehensive policy.

[shakotan]

Misterv said:

Ok, so just to summarise, im presuming it is better to find some sort of personal cover incase of causing loss of or damage to life, aswell as a vehicle insurance that is ring specific? ontop of a normal uk insurance policy?

You still CANNOT get Ring specific insurance for a tourist day. Some companies might say they cover tourist days, in reality only your vehicle is covered, not the thing or person you hit.

You'll end up bearing the cost compensation for that yourself.

[fridaypassion]

DiscoColin said:

There were 2 fatalities in an incident during TF just last weekend (as reported by Dale on BtG and mentioned during the commentary on the global feed for Sundays WEC race), but they are still very rare. Actual statistics are said to be misleading as in the past a lot of fatalities were recorded en-route to or at hospitals and thus weren't included in the figures for the circuit. But as for serious injuries, they certainly happen fairly often if you measure it in terms of the number of times that there is a red flag and the ambulance is sent out on to the circuit. I've seen the aftermath of too many crashes to discount the seriousness or frequency of them, even though I haven't driven any TF for years now (most of my time there is on track days when it is extremely rare for any accident not to be a walk-away).

Fatalities for car drivers are rare. The previous one to last week's been a year ago. Car accidents tend to get press but there are many motorcyclist fatalities out there. One of the hoteliers out there reckoned in peak season an average of one per week.

[Olivera]

shakotan said:

Misterv said:

Ok, so just to summarise, im presuming it is better to find some sort of personal cover incase of causing loss of or damage to life, aswell as a vehicle insurance that is ring specific? ontop of a normal uk insurance policy?

You still CANNOT get Ring specific insurance for a tourist day. Some companies might say they cover tourist days, in reality only your vehicle is covered, not the thing or person you hit.

You'll end up bearing the cost compensation for that yourself.

As far as I understand it your insurer must cover third parties on any EU road that requires insurance. So despite what they may say, this includes Nurburgring tourist days. Stating your insurer will make you repay them for this is pure hyperbole.

[fridaypassion]

There a president here the famous astray nurburgring rollover crash guy got paid out. There was a threat to pursue him in court in the UK but it came to nothing. Probably the lawyers didn't fancy their chances.

Best bet is to go steady and don't test the system.

[agtlaw]

fridaypassion said:

There a precedent here - the famous Astra Nürburgring rollover crash guy got paid out. There was a threat to pursue him in court in the UK but it came to nothing. Probably the lawyers didn't fancy their chances. Best bet is to go steady and don't test the system.

From memory, that car belonged to an army employee stationed in Germany with a German insurance policy.

[Gav147]

I do find it a little odd given all the horror stories you read online that there is so few stories of what happened to anyone, given the amount of YouTube videos there is of people in the barriers you would think some of the stories would have surfaced onto the net.

The only thing I have seen to give an insight of what happens is this guys vlog of what happened when he glanced the armco with his Integra and had to be recovered, 1200 euros to the 'ring and then a further 530 euros to be towed away from the 'ring, that's not including the damage to his car https://youtu.be/lXDMpuwHmS0?t=7m48s

[PorkInsider]

Gav147 said:

.

The only thing I have seen to give an insight of what happens is this guys vlog of what happened when he glanced the armco with his Integra and had to be recovered, 1200 euros to the 'ring and then a further 530 euros to be towed away from the 'ring, that's not including the damage to his car https://youtu.be/lXDMpuwHmS0?t=7m48s

He's a PHer - dannydc2

http://www.pistonheads.com/gassing/topic.asp?h=0&a...