nurburg track insurance
Discussion
hi folks,
am going to the nurburgring in a couple of weeks for a few days, and even though i drive like an old woman, my insurance want 500 quid a day to do so (and they're a specialist in track day cover!).
does anyone have any recommendations as to who they'd use for cover? id appreciate any thoughts you have (other than 'don't crash').
TIA,
N.
am going to the nurburgring in a couple of weeks for a few days, and even though i drive like an old woman, my insurance want 500 quid a day to do so (and they're a specialist in track day cover!).
does anyone have any recommendations as to who they'd use for cover? id appreciate any thoughts you have (other than 'don't crash').
TIA,
N.
DasChin said:
the ring is a public toll road!
should be covered on your insurance.
if not then get it towed outside and blame it on the diesel spillage! just take a can with you ;-)
should be covered on your insurance.
if not then get it towed outside and blame it on the diesel spillage! just take a can with you ;-)
just had exactly that conversation with my insurer (hes a chum, so hes able to be honest). apparently as far as insurers are concerned the ring is now officially classed as 'non public road' and i am therefore not covered by my insurance the second i enter the gate.
and i suggested that i pull the old drag-it-outside-one-two and he reckons that any investigating engineer worth his salt will know if somethings been damaged on a track as opposed to a public road. he told me of a case of a bloke with a Ferrari would did just this recently and ended up with nothing, plus a hefty bill for damage to the ring Armco, recovery etc.
bugger.
Nervous
If you drive like an old woman then you probably don't need insurance. However, if the red mist descends, as it almost certainly will then be careful about pulling the skidding on deisel scenario as if you damage the Armco etc, there will be a record of your accident at the office and you will have to stump up the cost of repair before leaving the Ring or otherwise give them details of your insurance cover. Insurance Companies are also very much aware of the Ring these days and you'll be lucky to get away with a claim in the Adenau region unless you have specific Ring cover or a police report stating where the accident happened. The £500 you've been quoted is about the going rate. For that sort of money you would be better off booking on to the Ron Simmons weekend training courses in the Alfa 75's. Car, food, accommodation(I think) and tuition all thrown in for less than £500. That way there's no risk to the P&J which can be used dor the drive down there and back.
PS The Ferrari driver was jailed for about 19 months for fraud(It happened at Spa)
Steve
If you drive like an old woman then you probably don't need insurance. However, if the red mist descends, as it almost certainly will then be careful about pulling the skidding on deisel scenario as if you damage the Armco etc, there will be a record of your accident at the office and you will have to stump up the cost of repair before leaving the Ring or otherwise give them details of your insurance cover. Insurance Companies are also very much aware of the Ring these days and you'll be lucky to get away with a claim in the Adenau region unless you have specific Ring cover or a police report stating where the accident happened. The £500 you've been quoted is about the going rate. For that sort of money you would be better off booking on to the Ron Simmons weekend training courses in the Alfa 75's. Car, food, accommodation(I think) and tuition all thrown in for less than £500. That way there's no risk to the P&J which can be used dor the drive down there and back.
PS The Ferrari driver was jailed for about 19 months for fraud(It happened at Spa)
Steve
Edited by paulburrell on Wednesday 7th June 10:54
paulburrell said:
Nervous
If you drive like an old woman then you probably don't need insurance. However, if the red mist descends, as it almost certainly will then be careful about pulling the skidding on deisel scenario as if you damage the Armco etc, there will be a record of your accident at the office and you will have to stump up the cost of repair before leaving the Ring or otherwise give them details of your insurance cover. Insurance Companies are also very much aware of the Ring these days and you'll be lucky to get away with a claim in the Adenau region unless you have specific Ring cover or a police report stating where the accident happened. The £500 you've been quoted is about the going rate. For that sort of money you would be better off booking on to the Ron Simmons weekend training courses in the Alfa 75's. Car, food, accommodation(I think) and tuition all thrown in for less than £500. That way there's no risk to the P&J which can be used dor the drive down there and back.
PS The Ferrari driver was jailed for about 19 months for fraud(It happened at Spa)
Steve
If you drive like an old woman then you probably don't need insurance. However, if the red mist descends, as it almost certainly will then be careful about pulling the skidding on deisel scenario as if you damage the Armco etc, there will be a record of your accident at the office and you will have to stump up the cost of repair before leaving the Ring or otherwise give them details of your insurance cover. Insurance Companies are also very much aware of the Ring these days and you'll be lucky to get away with a claim in the Adenau region unless you have specific Ring cover or a police report stating where the accident happened. The £500 you've been quoted is about the going rate. For that sort of money you would be better off booking on to the Ron Simmons weekend training courses in the Alfa 75's. Car, food, accommodation(I think) and tuition all thrown in for less than £500. That way there's no risk to the P&J which can be used dor the drive down there and back.
PS The Ferrari driver was jailed for about 19 months for fraud(It happened at Spa)
Steve
Edited by paulburrell on Wednesday 7th June 10:54
thanks steve, i greatly appreciate your advice.
Seriously I think if you're going to be sensible (and watch out for missiles in your rear view mirror) then you won't need insurance. I went last year just to enjoy the place, not to set any lap times and didn't get any. Not sure about the ins and outs of normal road cover for it but I've heard several quite convincing arguments on this forum in the last year that it is still classified as a public, toll road, and that several people have claimed successfully for crashes there.
Of course if you're on a closed circuit trackday there then the rules would be the same for any other trackday I imagine.
Of course if you're on a closed circuit trackday there then the rules would be the same for any other trackday I imagine.
A friend of mine recently did five figures of damage to his car at the ring. His insurance paid up, as it IS a public road and is not derestricted. Obviously, no racing, testing or time trials were going on.
HOWEVER, many insurers specifically exclude the ring. Check the wording of your policy VERY carefully.
The other way to do it is to get egger lawson (competition car insurance) to cover you. They google easily if you need to get hold of them. Used them lots, inc at the ring, and a great bunch who do pay out when required (another friend, LOL! And people think I crash a lot
).
Please remember tho' that egger lawson only cover the car, not third party injury. So if you stuff your car into a biker, the damage gets picked up for the car but the biker may sue you for loss of earnings etc. if you are culpable and he managed his own risks sufficiently.
If you can get trackday cover under the main road policy, then get it, as this has third party risks covered.
HOWEVER, many insurers specifically exclude the ring. Check the wording of your policy VERY carefully.
The other way to do it is to get egger lawson (competition car insurance) to cover you. They google easily if you need to get hold of them. Used them lots, inc at the ring, and a great bunch who do pay out when required (another friend, LOL! And people think I crash a lot
). Please remember tho' that egger lawson only cover the car, not third party injury. So if you stuff your car into a biker, the damage gets picked up for the car but the biker may sue you for loss of earnings etc. if you are culpable and he managed his own risks sufficiently.
If you can get trackday cover under the main road policy, then get it, as this has third party risks covered.
Edited by domster on Wednesday 7th June 11:12
HAve a look at Ben Lovejoy's site for lots of advice, including insurance.
One recent tip is joining ADAC in Germany for breakdown cover (see the site for details of how to do it), as they can collect you from the 'Ring if need be, rather than paying specifically for recovery.
One recent tip is joining ADAC in Germany for breakdown cover (see the site for details of how to do it), as they can collect you from the 'Ring if need be, rather than paying specifically for recovery.
domster said:
A friend of mine recently did five figures of damage to his car at the ring. His insurance paid up, as it IS a public road and is not derestricted. Obviously, no racing, testing or time trials were going on.
HOWEVER, many insurers specifically exclude the ring. Check the wording of your policy VERY carefully.
HOWEVER, many insurers specifically exclude the ring. Check the wording of your policy VERY carefully.
Edited by domster on Wednesday 7th June 11:12
thanks dom, thats great. tho, rather ironically, im actually insured with egger lawson, they were the ones that wanted 500 quid a day for insurance! oter than that, they are totally brillant tho.
thanks again chum
pdV6 said:
HAve a look at Ben Lovejoy's site for lots of advice, including insurance.
One recent tip is joining ADAC in Germany for breakdown cover (see the site for details of how to do it), as they can collect you from the 'Ring if need be, rather than paying specifically for recovery.
One recent tip is joining ADAC in Germany for breakdown cover (see the site for details of how to do it), as they can collect you from the 'Ring if need be, rather than paying specifically for recovery.
thats top stuff too, thanks P.
t in my head keeps on at me How can insurers class it as a non public road when the country it is in class it as a public road?
I "know" someone who made a claim at the 'ring and the insurance company paid out with no bother, he paid for the armco and recovery himself though as he didn't want to take the p1ss When claiming just stated he had a single vehicle accident on a road between Adenau and Nurburg and could they come and get the car please.
As the Germans class it as a public road you are legally obliged to have 3rd party cover, track cover will not do. If you are involved in an accident with another vehicle the Police could turn up and they won't be happy if you are not insured at least 3rd party.
I "know" someone who made a claim at the 'ring and the insurance company paid out with no bother, he paid for the armco and recovery himself though as he didn't want to take the p1ss
When claiming just stated he had a single vehicle accident on a road between Adenau and Nurburg and could they come and get the car please. As the Germans class it as a public road you are legally obliged to have 3rd party cover, track cover will not do. If you are involved in an accident with another vehicle the Police could turn up and they won't be happy if you are not insured at least 3rd party.
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