Nurburgring May 2006 Details

panthro said:
Dangerous, do you think you would need track insurance even though its classed as a public road?
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I’ve never had it; it’s a toll road with no speed limits. Some insurance companies exclude these so if you do ever crash its towed off there then you claim it happened else where to be on the safe side :p

Can’t see any company paying out under a normal policy.
 
It's legally a public road so there's no question that third party cover would be provided if you hit someone else, as your insurers are legally bound to honour such claims.

As for fully comp, many people say that unless your policy explicitly excludes the 'ring, either by name or by inference ("unlimited public toll road" for example), then you're covered. In reality most policies contain clauses about "racing" or "time trials" and you'd have a very hard time proving you were doing neither of these.

Yes you could drag them through the courts if they refused to pay out but you'd be running a hell of a risk when it would most likely still go against you.

Another factor is that if you go off heavily and damage the armco or require rescue/medical services, they'll bill you for these and there's no way a normal policy could be construed to cover this.

I'm not aware of any UK companies that offer trackday insurance for the 'ring but if anyone knows of any I'd be interested to see what they charge. It'd probably be fairly extortionate.

In reality you go there under the assumption that you won't be covered in the event of an fault accident and drive accordingly. Unless you're driving like a complete idiot you're not going to come off and if you do it'll only be light damage of the sort you'd probably not claim for anyway. If you're involved in an accident that's not your fault then you just claim off other other party's insurance as you'd do in a normal accident, an avenue not usually open to you on trackdays on private circuits.
 
it is classed as a "closed circut" needing special insurance, im going up to the ring in july straight after lemans, there is a few of us going and your more than welcome to join if you wish :)

Hi btw (new to the forum)
 
Cassius Clarke said:
it is classed as a "closed circut" needing special insurance
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Normal tracks are but the Nordschleife is classed as a public toll road. Have you arranged specialist insurance for your trip then?
yeah I know but I cant make it in May sorry, was just an idea if any of you guys wanted to join in July your more than welcome.
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Thanks but no thanks, our dates are now fixed and we have six people so far. We ain't moving :D
 
I have not and im not going to arrange but a couple of the guys coming have and euro track day insurance is not the same as mainland UK track day insurance, its a lot more.

a couple of the guys do regular track days and they have extra cover, Simon does Spa every couple of months in the summer.

ive got 4 trackdays covered but it is not for european tracks, ill just take it easy I guess and hope no locals get too close. (yer right)
 
you need to declare the ring or the insurance will not pay out if you screw up, or if a over enthiusiastic local screws up into you.

I can afford to take the risk (the cheapest quote ive had is an extra 3450 quid) so ill do without, and know I can get out of the way of the locals should they come near.
 
From http://www.nurburgring.org.uk/insurance.html:

First, there is little doubt that statutory third-party insurance applies at the Ring. Whatever else it may be deemed to be, the Ring is legally a road, and insurers must cover their legal obligations.

However, this does not mean that you are comprehensively insured on the Ring. More and more insurers are using various mechanisms to exclude the Ring.

Some policies specifically exclude 'track use'. Since the Ring is legally a road but also undeniably a track, this policy wording could be interpreted as letting the insurance company off the hook. At the very least, it is likely to lead to extremely long and potentially expensive arguments. Some German policies go even further and specifically exclude the Ring by name: in those cases, there is no doubt at all that you are uninsured.

A number of companies now exclude 'de-restricted toll roads'. Although they don't name the Nurburgring, it's hard to think what else this could mean. I used to name these insurers, but there are now so many of them - with more being added all the time - that I've given up trying to keep track of them all.

Other insurance policies state that they cover 'normal road driving', which gives a mechanism to argue that the Ring - even though a road - doesn't constitute normal driving.

It's thus important to read your policy document word-for-word.

Even if your policy appears to be ok, I think these days you have to be prepared for your insurer to use any excuse they can to avoid paying-out. I thus strongly recommend that you consider your vehicle uninsured on the Ring, and drive/ride accordingly.
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