the ring, insurance questions

the ring, insurance questions

Author
Discussion

caymanred

Original Poster:

714 posts

141 months

Thursday 30th September 2010
quotequote all
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;

Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.

If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
god i dont want to go now!! haha

maybe ill take it easy.......

caymanred

Original Poster:

714 posts

141 months

Thursday 30th September 2010
quotequote all
edh said:
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;

Touristfahren - You aren't insured & you can't get insurance.
Not entirely true - I had cover confirmed in writing when I went in May. I doubt this will last forever though.
how much was it if you dont mind me asking? how many days was is for?

thanks!

Tyre Smoke

15,816 posts

221 months

Thursday 30th September 2010
quotequote all
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.

Munter

30,179 posts

201 months

Thursday 30th September 2010
quotequote all
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
People play Russian roulette for years and get away with it.

No driving the ring isn't that dangerous by far. But out of 3 trips to the ring. 1 of them resulted in a very expensive incident. I can't recommend people "Just do it". My all means do it in a fully insured car by renting one or getting the cover confirmed in writing. But don't "just do it". Because it does happen to somebody. And there's nothing stopping that somebody being you. And lifes just way to short for the fight afterwards.

agtlaw

5,754 posts

166 months

Thursday 30th September 2010
quotequote all
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.

Yanto

533 posts

168 months

Thursday 30th September 2010
quotequote all
Did a TF in May (and Spa the day after) with other CSL guys..

It's good fun BUT there are too many variables. Some of the guys (very competent drivers) refused to drive and chose just to do Spa (fully insured / arranged TD) despite us all meeting / socialising at Tiergarten.

The Sat we arrived, the Ring had been shut for half the day after a 5 car incident. Its easy to assume because you believe you are competent behind the wheel, there should be no problem....WRONG. I did a couple of laps early Morning on Sunday, but drove like a pussy TBH.

I will do the ring again but it will be on a properly organised trackday...expensive at ~£6-700 for the day, but peace of mind.

As said - too much of a lottery on TF.

ALY77

661 posts

170 months

Friday 1st October 2010
quotequote all
I would very much like those numbers to call then as i have exhausted every avenue i can.

agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.

Joe911

2,763 posts

195 months

Friday 1st October 2010
quotequote all
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
That's fine for you - JDI - what the heck.
What about other peoples property, cars, and lives?

ALY77

661 posts

170 months

Friday 1st October 2010
quotequote all
I would very much like those numbers to call then as i have exhausted every avenue i can.

agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.

y2blade

56,029 posts

175 months

Friday 1st October 2010
quotequote all
+1
smile

ALY77 said:
I would very much like those numbers to call then as i have exhausted every avenue i can.

agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.

caymanred

Original Poster:

714 posts

141 months

Friday 1st October 2010
quotequote all
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks

y2blade

56,029 posts

175 months

Friday 1st October 2010
quotequote all
caymanred said:
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks
I think we'd all like to know yes


I know I would

Soovy

35,829 posts

231 months

Friday 1st October 2010
quotequote all
y2blade said:
caymanred said:
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks
I think we'd all like to know yes


I know I would
We've tried. He won't tell us. He posted a letter with all the company details redacted.

He's not for sharing - although if I knew where to get it I probably wouldn't be broadcasting where from either!!

Come on agt - spill the beans. Custard time.


Edited by Soovy on Friday 1st October 09:00

y2blade

56,029 posts

175 months

Friday 1st October 2010
quotequote all
Soovy said:
y2blade said:
caymanred said:
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks
I think we'd all like to know yes


I know I would
We've tried. He won't tell us.

He's not for sharing - although if I knew where to get it I probably wouldn't be broadcasting where from either!!


Edited by Soovy on Friday 1st October 08:58
I call "Custard" then




Soovy

35,829 posts

231 months

Friday 1st October 2010
quotequote all
y2blade said:
Soovy said:
y2blade said:
caymanred said:
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks
I think we'd all like to know yes


I know I would
We've tried. He won't tell us.

He's not for sharing - although if I knew where to get it I probably wouldn't be broadcasting where from either!!


Edited by Soovy on Friday 1st October 08:58
I call "Custard" then
He'll get all uppity with you.

We've tried until we're blue in the face. He won't tell us where this policy comes from because he's worried they'll get too many enquiries and pull it.

Bah.


Here's the letter.







Edited by Soovy on Friday 1st October 09:08

tertius

5,744 posts

190 months

Friday 1st October 2010
quotequote all
Soovy said:
He'll get all uppity with you.

We've tried until we're blue in the face. He won't tell us where this policy comes from because he's worried they'll get too many enquiries and pull it.
Soovy also said:
I knew where to get it I probably wouldn't be broadcasting where from either!!
Hmm ... scratchchin

y2blade

56,029 posts

175 months

Friday 1st October 2010
quotequote all
Soovy said:
y2blade said:
Soovy said:
y2blade said:
caymanred said:
agtlaw said:
Tyre Smoke said:
Look, whilst everyone has probably stated a bare truth or truths, loads of us go to the ring aware of the risk and still enjoy ourselves.
You could be run over by a bus tomorrow. This is not a practice run. Just do it.
insurance is available. i have it and i'm not a member of any car club. plenty of other people i know also have insurance for tourist days. if you choose not to get adequate insurance cover then that's going to be your problem for a long time after an incident. a client of mine is being pursued for over £50,000 by his insurance company following a 3rd party property damage claim his insurer was obliged to settle. long battle ahead. possible bankruptcy. all could have been avoided with a few phone calls.
what company is that through mate? is it very expensive?

thanks
I think we'd all like to know yes


I know I would
We've tried. He won't tell us.

He's not for sharing - although if I knew where to get it I probably wouldn't be broadcasting where from either!!


Edited by Soovy on Friday 1st October 08:58
I call "Custard" then
He'll get all uppity with you.

We've tried until we're blue in the face. He won't tell us where this policy comes from because he's worried they'll get too many enquiries and pull it.

Bah.


Here's the letter.







Edited by Soovy on Friday 1st October 09:08
ah 2008

do they still do that same cover now?

Tyre Smoke

15,816 posts

221 months

Friday 1st October 2010
quotequote all
Okay, so it would appear that I may be in the minority here, but I was distinctly under the impression that everyone who drove the 'Ring did so at their own risk. Maybe not cheerfully, but knew of the risk and still did it.

If I am wrong, sorry.

If anyone does find 'Ring insurance, I'd be interested.

tertius

5,744 posts

190 months

Friday 1st October 2010
quotequote all
Tyre Smoke said:
Okay, so it would appear that I may be in the minority here, but I was distinctly under the impression that everyone who drove the 'Ring did so at their own risk. Maybe not cheerfully, but knew of the risk and still did it.

If I am wrong, sorry.

If anyone does find 'Ring insurance, I'd be interested.
On touristenfahrten (TF) days, it is treated as a public road (albeit one way and largely de-restricted) and German road laws are applied, including a requirement for a minimum of 3rd party insurance cover.

Multi vehicle accidents are usually investigated by the police, if anyone is injured they certainly are, and blame will be apportioned.

All quite different when its being used for racing or track days of course.

Joe911

2,763 posts

195 months

Friday 1st October 2010
quotequote all
Tyre Smoke said:
Okay, so it would appear that I may be in the minority here, but I was distinctly under the impression that everyone who drove the 'Ring did so at their own risk. Maybe not cheerfully, but knew of the risk and still did it.

If I am wrong, sorry.

If anyone does find 'Ring insurance, I'd be interested.
As has been clarified - yes road insurance is required.
Also - German road driving rules apply too - and the police can (and sometimes do) enforce them with fines, etc. Remember - overtake only on the left.