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    Posted: 13-October-2006 at 17:17
Originally posted by TRACKPIG TRACKPIG wrote:

Originally posted by BMG M3 BMG M3 wrote:

Bottom line is,unless it excludes the Ring by name, you're covered.They will also have to pay the armco bill too.I know that for a fact.


 


in the terms and conditions of the elephant insurance policy it states you are not covered on deristricted toll roads. is the ring a deristricted toll road?


if so i prob wasnt insured when i was at the ring last?



In the Ring car park by the ticket office,there is a large sign in German and English with the rules of using the Ring,I'm 99% sure that the Ring is classed by Nurburgring GMBH as " deristricted toll road ". Maybe someone who is going soon can confirm this ?
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Originally posted by BMG M3 BMG M3 wrote:

Bottom line is,unless it excludes the Ring by name, you're covered.They will also have to pay the armco bill too.I know that for a fact.

 

in the terms and conditions of the elephant insurance policy it states you are not covered on deristricted toll roads. is the ring a deristricted toll road?

if so i prob wasnt insured when i was at the ring last?
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Hi Uwe

Just wanted to know all was OK and if I knew him from August/Croft/Cadwell/Silverstone......I hope he gets it sorted out satisfactory

You always have to be "aware" in a hypersensitive way when you drive the Ring and exponentially on Open days

  Martin
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Originally posted by 215m3 215m3 wrote:

Are the coaches covered when they take 50 tourists round? Just thought i'd throw this in to the couldron


Interesting point! But was there ever an accident with a coach? Doubt it.
E61 520d, slow and buzzy but my wallet likes the mpg.....
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Are the coaches covered when they take 50 tourists round? Just thought i'd throw this in to the couldron
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Points: 163 		Post Options Post Options   Thanks (0) Thanks(0)   Quote b7 eater Quote  Post ReplyReply Direct Link To This Post Posted: 08-October-2006 at 20:16

Uwe

I took no offence.

Believe me when I say that I am no newcomer to what can happen on the ring. 

 
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Points: 5445 		Post Options Post Options   Thanks (0) Thanks(0)   Quote UweM3 Quote  Post ReplyReply Direct Link To This Post Posted: 08-October-2006 at 20:09
Originally posted by b7 eater b7 eater wrote:

I was unaware that it was not allowed to hope that those you know are safe and well.


Jacque Safe



I want everybody to be safe and well. Doesn't matter if I know them or not.
It just sounds strange to me if I read/hear comments excluding people we don't know, like it wouldn't matter if they are not safe and well. I am sure that was not your intention at all.
In the end we are all crazy petrolheads no matter if we know each other or not.
For my part, I would have never ever mentioned anything about that crash if not everybody was unhurt in the first place.
Going fast around the Ring is always risky, doesn't matter how many laps you have done. Even the locals do get in trouble from time to time.
I have seen too many cars of my friends lying on the roof in the past, so I might be a little bit oversensitive on that subject.

Hope you didn't take offence, if so my apolgise.
E61 520d, slow and buzzy but my wallet likes the mpg.....
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Points: 163 		Post Options Post Options   Thanks (0) Thanks(0)   Quote b7 eater Quote  Post ReplyReply Direct Link To This Post Posted: 08-October-2006 at 19:44

Uwe, as someone asked if it was my husband, I kind of thought it was nice to let them know that it wasnt.  

However, I know the Mark in question and as far as I am aware nobody is trying to make him speak, Just wishing that it had not happened to him,  I do not wish any harm to anybody or their property, whether I know them or not.

I was unaware that it was not allowed to hope that those you know are safe and well.

Jacque Safe



Edited by b7 eater
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Bottom line is,unless it excludes the Ring by name, you're covered.They will also have to pay the armco bill too.I know that for a fact.
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Originally posted by b7 eater b7 eater wrote:

Spokey and Martin      Can report that it was definately not Mr Safe!


 


Hope it wasnt anyone else we know.



why is it so important who it was? And what difference does it make if we know him or not?
Personally I don't want anybody to come home with a 20k loss...

If the guy want to remain silent, so be it. Respect it.

Edited by UweM3
E61 520d, slow and buzzy but my wallet likes the mpg.....
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I spoke to Grant today and he thought it was Mark with the blue E39 that came 1st in August in our group.....
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Spokey and Martin      Can report that it was definately not Mr Safe!

 

Hope it wasnt anyone else we know.

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Points: 5445 		Post Options Post Options   Thanks (0) Thanks(0)   Quote UweM3 Quote  Post ReplyReply Direct Link To This Post Posted: 07-October-2006 at 09:51
Originally posted by 215DMX 215DMX wrote:

I think i was quite clear actually.

There is a EU directive which states all member
countries have to, by LAW, provide the minimum 3rd
party cover for you or anybody else.

However it seems if you call your insurance
company and ask them about driving on the ring
most will now say you are NOT covered. A note will
be made on your file.
This 'could' be a loophole for the insurance
companies to get out of this EU directive...


I would still try to claim for 3rd party stuff. Equal rights? How can I be excluded (only for the fact I have asked) and somebody else is not?
So what's the view on Armco damage?
E61 520d, slow and buzzy but my wallet likes the mpg.....
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I think i was quite clear actually.

There is a EU directive which states all member
countries have to, by LAW, provide the minimum 3rd
party cover for you or anybody else.

However it seems if you call your insurance
company and ask them about driving on the ring
most will now say you are NOT covered. A note will
be made on your file.
This 'could' be a loophole for the insurance
companies to get out of this EU directive...
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Originally posted by 215DMX 215DMX wrote:

I think some of you are getting confused with TRACK
DAYS and road insurance and how it applies in this
instance.


Forgive me for being a pedant but even that comment adds to the confusion...

The confusion revolves around whether you are or are not covered under a road policy for losses incurred whilst driving on the 'Ring.

The policy may or may not make it clear whether cover for track days is included but a day at the 'Ring is not considered to be a track day by almost all insurers.

If your policy includes cover for track days do not assume that this includes driving on the 'Ring.

Again, sorry to be so pedantic but there is no substitute for absolute clarity in insurance matters

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I think some of you are getting confused with TRACK
DAYS and road insurance and how it applies in this
instance.

The ring IS a public road during TF. BUT if you have
an accident and someone else is badly hurt and
couldn't work for 6 months. Their 3rd party cover
would cover any damage but YOU would be sued for
tens of thousands by thier insurance company as
you were driving without valid insurance!!! could you
afford that risk !
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I know this will sound boring and some of you won't like it but as I've said before if you take a naive approach on matters relating to insurance you will be crucified and hung out to dry.

Insurance law is unusual and the usual rules do not apply.

You have got to do your homework and you should never assume anything.

For example, someone suggested above that you can assume that you are insured for something if it doesn't say you are not. In other words if the policy is silent you reckon you're okay. That is nonsense, extremely dangerous and very very naive.

Let's imagine you're trying to claim for £25k self inflicted damage at the 'Ring. Or even worse - let's imagine that you've run into someone and rendered them a lifelong tetraplegic.

Now try convincing your insurer that even though the policy is silent you should be able to claim cover because the 'Ring is a toll road...

Guys - I'm not revelling in bad news - just telling you what you need to know

Edited by Jonners
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and it's not only your own damage you have to pay for.
Armco repair, closure of the track, cleaning, towing fee....
That adds all up to several THOUSAND Euros in an blink of an eye.
E61 520d, slow and buzzy but my wallet likes the mpg.....
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Points: 81 		Post Options Post Options   Thanks (0) Thanks(0)   Quote korky Quote  Post ReplyReply Direct Link To This Post Posted: 06-October-2006 at 09:41

From my couple of ring trips, the things to remember are, its a long way home, and if you dont have a trailer you need to drive it. Its unbelievably busy. There are cars and bikes taking all kinds of lines. There is very little room for error if you are at 10/10ths. Its a fantastic circuit! But I try to keep within my limits and remember the above (must admit the occasional red mist moment or 3)

 I try and treat it as a great weekend away, a nice social as well as some fantastic driving. I am amazed that, with very few rules, and a lot of very tasty machinery, there is not far more carnage.

 I am sure others treat it differently, but I assume I am not insured if it all goes belly up, so this approach works for me...
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Originally posted by UweM3 UweM3 wrote:

Originally posted by Hoofty Hoofty wrote:

Did they mention whether that was £80 for a full year, or £80 for each specific day?


It's by no means cheap (esp if you spend a lot of time there!) but you can cover 90% of the value of your car at the 'Ring with Competition Car Insurance. They'll relieve you of £110 per day for the trouble, but if you absolutely need to be sure then it might be worth looking into.



That's £110 well spend if you thrash something round there worth £25+......

Like an M5. £110 very well spent if you're doing a full day on the 'Ring. Might not be worth it if you're just doing one ar two laps on a busy day. Good to know it's available though.

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