'Ring Trip 28th - 30th May Crash. - M5 U.K. Car !
Discussion
TEKNOPUG said:
Penguinracer said:
On what grounds would the insurance company sue the insured. In contract? Which term of the insurance contract has he breached (provided the 'Ring is not explicitly excluded)? They can't sue in the tort of negligence as they have no locus standi to bring the action. The duty of care if one is owed at all,is owed to other road users. And what exactly is that duty? Perhaps to keep his vehicle MOT'ed and to not knowingly operate it on a public road if he suspects that it doesn't comply MOT standards notwithstanding that it has one? More often than not it is the reverse - a case of subrogation whereby the insurer pays out to the insured and then assumes the insured's locus standi to bring an action against a third party, generally in tort.
The 'ring is specifically excluded. There are no UK insurers that do not specifically exclude it.If it's specifically excluded and you go on there. Well you're on your own and you should know it.
But when you actually read your policy documents to check, and find nothing you can interpret as the 'ring and they still intend to pursue you for costs. That's not right. But it seems that's what some of them will do. So to avoid years of strife sorting it out, unless you have evidence saying they will pay out on that policy wording, it's not worth the hassle and stress.
So it's not impossible for the M5 guy to be covered for the 3rd party costs.....but he might have to prove it with a good lawyer, and hopefully some supporting documentation.
agtlaw said:
Soovy said:
but they will then sue the M5 driver for their money back. He will be paying for all of the damage, one way or another. If he cannot pay, and has a house, they will bankrupt him and it will be sold.
interesting. can't say i've ever dealt with a nurburgring case where any of that EVER happened. still, i'm sure you know better as you're plainly a forum "expert". well done. Mattt said:
tertius said:
agtlaw said:
TEKNOPUG said:
The 'ring is specifically excluded. There are no UK insurers that do not specifically exclude it.
fireman said:
Nurburgring is one track (GP), Nordschlief is another!
IIRC mine specifically excludes 'Nürburgring Nordschliefe' by name, unfortunately, and no UK track day insurer I've tried will provide cover for a touristenfahrten day.fireman said:
A German Insurance company we know offer cover for 8 laps at a very resonable cost!
Is that fully comprehensive insurance (i.e. 1st & 3rd party damage, covering the cost of track closure, medical services, recovery services, helicopter, track repair). If so, are you going to tell us who, and at what cost?Munter said:
Which is almost no cover at all, as it only covers the cost of the armco, helicopter and some recovery fees.It doesn't pay a penny towards the cost of fixing your car, or any damage caused to other vehicles/drivers/passengers.
Almost a year since the Allianz broker spoke up, but I've not heard anything about a new policy being available.
fluffnik said:
996TT_STEVO said:
All insurance companies here treat it as a race track
The legality of this needs challenged.Still, I go there 2/3 times a year and hope that if I drive within my limits, avoid when wet etc etc etc then I'll come home in one piece......usually works!
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