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Nürburgring insurance

Discussion in 'Motors' started by Guv, 29 May 2006.

  1. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    I'm planning on going to the 'ring sometime this summer. I've heard people say it's a 'public road' so as long as I'm covered to drive abroad that's fine, but is this true?

    Is it really just classed as a public road, so specific track insurance is not required?


    Obviously I'll be calling my insurance company at some point but I know a few people on here have been so just wondering what they do regarding insurance.


    thanks :)
     
  2. Akira

    Wise Guy

    Joined: 18 Oct 2002

    Posts: 1,304

    Most insurance policies specifically exclude the 'ring by calling it 'derestricted toll road' or something.
     
  3. Firestar_3x

    Caporegime

    Joined: 11 Mar 2005

    Posts: 30,662

    Location: Leafy Cheshire

    Call and ask they may exclude it (Many do), 3rd party rules apply to all crashes.

    Just got back and seen loads of crashes and a couple of deaths so watch out!
     
  4. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    Just spoken to Norwich Union, they said they wouldn't cover it at all!
    I was expecting them not to cover it under the policy I have but thought they may have asked for an extra premium if I wanted the cover.

    Are there companies that will just give temporary insurance for this?
     
  5. James_N

    Sgarrista

    Joined: 25 Jan 2003

    Posts: 9,491

    Not many cover the ring at all. I think a lot of people go and just chance it.
     
  6. Hate

    Soldato

    Joined: 18 Oct 2002

    Posts: 7,175

    Location: Sussex

    sky insurance do :)
     
  7. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    thanks, I'll see what quote they come up with.

    I don't think I'd like to chance it tbh
     
  8. Alibaba99

    Mobster

    Joined: 29 Jun 2004

    Posts: 2,529

    The police at the 'Ring also do spot checks to ensure that the cars using it are covered. Plus insurance documents will need to be produced if you have a crash.
     
  9. NickXX

    Soldato

    Joined: 19 May 2005

    Posts: 7,037

    Elephant appear to allow the 'ring :)
     
  10. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 158,170

    http://www.nurburgring.org.uk

    Read it. Specifically the bit where it says READ YOUR POLICY DOCUMENTS not ring up and say 'Hello can I please bomb it around the Nurburgring, its a really cool race track'.

    99% of phone operators wont know what it is, won't know its a public road and will treat it the same way as they would if you said you wanted cover for Silverstone.
     
  11. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    I have read it and I have read my policy documents. It's very difficult to understand them and get a definite answer though, which is why I phoned.

    That's true, which is why I did my best to explain it and then she spoke to the underwriters who must have known what it is and gave an answer.
     
  12. Muncher

    Soldato

    Joined: 17 Oct 2002

    Posts: 7,169

    Location: Ipswich

    I think they exclude one way toll roads...
     
  13. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 158,170

    Yup, from policy document:

    'We will not cover you or be liable for any of the following:

    used on de-restricted toll roads'
     
  14. NickXX

    Soldato

    Joined: 19 May 2005

    Posts: 7,037

    Ack, balls - where did you find that? I can only find a very brief description of European cover on the online pdfs.

    Edit - the fox showed me it on the elephant pdf :(

    Oddly it didn't mention it on my paper document. :mad:
     
    Last edited: 29 May 2006
  15. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 158,170

    Page 17 of the 'Your Policy' PDF.

    Thats me screwed then - anyone offer temporary 1 day cover?

    Dayinsure perhaps...?

    Just read through Dayinsure policy documentation and there is no mention of the ring under the exclusions - it merely says you are not covered for use of the car on airfields/airport runways used for landing or taking off aircraft.
     
    Last edited: 29 May 2006
  16. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    Well I still can't see anything in my documents that says or implies the ring is excluded.

    I'll give NUD another call tomorrow and make sure I actually speak to someone that knows about the ring, not just ask the person who answered the phone to speak to them. That way I know they aren't just saying "no" when really they don't know anything about the ring.
    I would rather get a definite answer from them than risk the chance of getting it wrong or missing something after reading the policy documents.

    IIRC NU underwrite the dayinsure.com cover, so if you can't see anything in the dayinsure documents it's possible NU are the same.
     
  17. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 158,170

    You've blown it - you've specifically had a 'no' from them and it'll be recorded on your customer notes.
     
  18. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    I never game them my name or policy number so that would be hard for them to do
     
  19. Oblivious

    PermaBanned

    Joined: 25 Oct 2003

    Posts: 4,028

    Location: East Midlands

    Did you ring from your home number / recorded number?

    They are displayed and recorded, and can bring up your details when you call sometimes.

    At least they can with some companies.
     
  20. Guv

    Mobster

    Joined: 24 Oct 2002

    Posts: 3,257

    Location: Warwickshire

    I phoned from my home landline but they have my mobile number registered, not landline.