Ring regulars - insurance

Of course you can get insurance for track days (separate payment per event) due to its controlled environment BUT you mention the Ring and I think you may be in trouble, also I have heard (but do not quote me on this) that you will be FLAGGED as a potential risk even by just querying the Ring.

Track Days, yes I will pay for extra cover if I feel it was necessary.
The Ring, I would NOT even bring it up in any conversation with my insurer AT ALL.

As already mentioned, we all know the risks, just get an ADAC card, I will be next year. Need to ask Kevin about this actually.

Kevin

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+......

I have my insurance through adrian flux and I disceussed track days with
them at the time of taking it out. I seem to remember that they said my
policy did not cover it as standard but extra cover was only about £80
with excess being 10% of the agreed value. Hope this helps.

I agree with Uwe regarding "real" track days in the UK and also about Mark who didn't complain once during the trip back to Calais about the loss of his M5.

Please just read, very carefully, the wording in the insurance docs but "even more pleading here" please, please, please, please do not phone them up and ask if they will cover you for a 20km piece of road that has the highest accident record in the region.

I recommend End of Topic on this now...

Dave, you need to read your policy details AND the general policy/assumptions of the insurer. If there is no referance then you have a strong legal argument for the case that you are insured. I guess you have done this already.

Secondly, Adrian Fu**s (They screwed me proper once) are only a broker and therefor are not responsible for the terms of your cover, they mearly sell you the product. I find it difficult to believe that they can dictate terms to you outside of the underwriters terms.

Steve

This is from another site (northloop.co.uk)

Thought it should be aired !

QUOTE:
Called various insurance companies, firstly
Adrian Flux. I asked about cover for both road and
track cars. The very helpful young lady read me out a
very beautifully worded message drom her screen
that stated that the Ring is not covered both
'generally' and 'specifically'. I asked her what that
meant (reminded her the Ring is a public toll road,
not a track day, it has speed limits etc).

Her response was (along the lines of):

"General exlusions sir, they include items such as
you not being covered if you crash your vehicle whilst
under the influence of alcohol or drugs. Whereby we
would pay for any damage to the third party we would
not in any way cover you or your vehicle against
personal injury or damage. The clause relating to the
Nurburgring exists also within our General
exclusions - however as well as being a 'general
exclusion' it is now also a 'specific exclusion'. A
specific exclusion is unique to your policy, for
example if you were Third Party Fire + Theft a specific
exclusion will be no windscreen cover. A general
exclusion applies to ALL of our policy holders and
must be accepted before agreeing to take out
insurance with us. A specific exclusion is as I
outlined earlier".

I told her that I knew of some people that drive the
Ring and are insured with them (don't worry
everybody I had given her none of my personal
details so she had no idea who I was). She stated,
in no uncertain terms that there insurance does NOT
(in ANY way) cover use on the Nordschleife as it is
both generally and specifically excluded. If a person
had an incident neither that person, nor the third
party would be covered. The third parties own
insurance company would have to foot the bill for
physical or personal injury - however they would then
sue the non insured driver.
Now, imagine if you had an off, that resulted in
damage to someones expensive car and they
suffered injury that affected ther capacity to work in
either the short or long term.....

END QUOTE


This has me a bit worried now. I'm with Adrian Flux,
and there is no mention of anything to do with toll
roads unrestricted or otherwise or any mention of the
Ring on any documentation I have from them.
When I first got insurance with them about early
2005 i did ask about any restrictions in driving in
Europe, none were given. Nor on my renewal this
year either. So to hear they have issued restrictions
without informing me is VERY worrying indeed !

How/ Where are you supposed to find out about
these general/ specific restrictions if they don't tell
you, I can't find anything on there website either

Dave




Edited by 215DMX