A new insurance clause I noticed......

[T89 Callan]

I was going through my new insurance certificate checking the cover was correct and having a browse.
Now I know that I'm not covered on the Nurburgring (I asked on the phone) but I couldn't find the smallprint that specifically excluded it..... until I noticed this bit.

Limitations as to use:

"Use on any motorsport circuit"

Now as it doesn't specify during events or trackdays so I understand from this that you aren't covered to be on any motorsport circuit at any time, which obviously means no Nurburgring even when it is just a road.

This bit definately wasn't on my policy last year, so just a quick warning for people planning a trip to the 'ring assuming that they are covered on what is a German public road to check your policy.

Most people planning a trip probably know and have alternative cover but thought I'd just raise the point.

[ewenm]

I thought it was well-known that most British insurers didn't cover the 'Ring. Good reminder though.

[thinfourth2]

Isle of man TT circuit?

[750turbo]

thinfourth2 said:

Isle of man TT circuit?

Will that not just be classed as a circuit during official race times though?

(I am sure they have never heard of Mad Sunday )

[Eviltad]

My sisters policy expressly forbid the Nurburgring itself. She questioned me asking what the hell it was and why she couldn't drive on it.

[skodamanpat]

Don't go on a roadtrip to Monaco then!

[Superhoop]

skodamanpat said:

Don't go on a roadtrip to Monaco then!

And make sure that if you're going to Le Mans, you don't drive any of the circuit of Friday morning

[thinfourth2]

750turbo said:

thinfourth2 said:

Isle of man TT circuit?

Will that not just be classed as a circuit during official race times though?

(I am sure they have never heard of Mad Sunday )

Yeah and you telling me an insurance company wouldn't use that kind of clause to wriggle out of a claim

[T89 Callan]

Superhoop said:

skodamanpat said:

Don't go on a roadtrip to Monaco then!

And make sure that if you're going to Le Mans, you don't drive any of the circuit of Friday morning

This is something that they should clarify, it's all very dodgy. Seems like another wishy-washy bit of small print that they can use when they feel like it to avoid paying out.

[ZOLLAR]

This is a clause on my insurance (and the company i work for) word for word and been in writing for awhile

insurance certificate said:

The policy does not cover
Use on the Nurburgring Nordschleife, or for racing,pace-making, competitions, rallies, track days, trials or speed tests either on a road, track or at an off road 4x4 event.

[skodamanpat]

Just checked my policy and as well as excepting motor racing circuits, it also excepts derestricted roads

Having just spent 10 minutes on hold with them they have decided that they do in fact cover the German Autobahn network I would guess the 'ring is a nono though

[nsmith1180]

anonymous said:

[redacted]

Thats what was worrying me. I tend to park at Paddock when Im at silverstone on an Open infield day.

[WhoseGeneration]

anonymous said:

[redacted]

Indeed, at face value the clause the OP details would imply one could not use the specified vehicle within a motorsport venue. It doesn't specify use only meaning competitive or on track.
Of course officials of events will be covered by other insurances but spectators and those accompanying competitors, who knows?

[T89 Callan]

ZOLLAR said:

This is a clause on my insurance (and the company i work for) word for word and been in writing for awhile

insurance certificate said:

The policy does not cover
Use on the Nurburgring Nordschleife, or for racing,pace-making, competitions, rallies, track days, trials or speed tests either on a road, track or at an off road 4x4 event.

See I was expecting to see something like that, not just a arbitrary circuit clause, I may have to ring them to clarify.

[Engineer1]

I wonder if they would try and invoke that clause if you where at a track and had a claimable incident on the "public" rather than track side? Or had damage while parked on one of the campsites inside the Le-Mans circuit.

[Rich_W]

Insurance companies in dodgy and possibly illegal clause shocker!

They are all S. No ifs, no buts!