I am advising you what the underwriters tell us.

DO NOT try to suggest i don't know what i am selling, or that the comment of ''this is what we offer, if you don't like it go elsewhere'' is my attitute.

I am trying to put accross the point of view of the insurers, and help people know what is or isn't included in their policies.

Seeing you want to make it personal and say i am misselling insurance, then i am not willing to take abuse like that.

If i am going to get slated for trying to help then f**k it, i am not going to comment anymore on this matter, or try to give any advise.
Go the the Ring, have a crash, see what happens. Good luck.

 

mate i know ALOT of people who go to the ring,,, its a big thing for people into cars remember and when you go there you meet others there,,, its not like 2 of you go there and dont meet others,,,, think last time 50 of us went and STILL seen other there we never knew about

you have to understand you are being sold FALSE insurance which is a offence by a regulated authority,,,, thats the point im getting at !!!

the ring is a unique thing,,, hence its popular,,,, its a legal road that is closed to the public for races/testing

when ever its touristfarten then its german road law,,,,,, thats the fact here

anyother time then its not and not insured under a car policy

driving in the hard shoulder is illigal UNLESS instructed to do so,,,, speeding is illigal unless instructed to do so by a officer of the law

 

no mate my tyres got too hot and was sliding too much at the back,, i gave way to faster cars and took me off line and i span the car,,,, marshall was behind me and seen what happened then i mentioned i gave way and was told NOT TO as they must overtake you when safe to do so,,,, and if its tyres then come off and let them cool,,, which i should have done but there was a long que to come off hence i went out for another, my mistake but there was a few fast cars there and kellenhard is a HARD corner to take off line as you need to go REAL close to the barrier to get round it,,,,,, i didnt wana get that close doe to the angle of the car and needed to take some speed off to get round,,,, wasnt the best idea due to warm tyres and it span,,,,, though i controlled it (ish)

my first and last off at the ring,,,,, need to understand the car your driving and i had the scoobie 3 weeks before i went and never done track day or drove a 4wd car,,,, apart from a xc90,X5 or disco pmsl

being used to RWD was also a issue,,, should have kept the power in and let it settle the car,,,, its a mistake as we all make them at somepoint

im liucky that ive done enough passenger laps/drove enough laps that i know where im going most of the time,,,,, just this time i was testing the speeds others where doing

 

To balance this thread up, I know of a driver who crashed and did not get paid out. Not one penny....and he had to pay armco bills. This is not pub talk, but fact.

Ginge, you sound like a hell of a driver. I like the way you "controlled your spin"

Not sure I've heard of this overtake when it's safe to do so either. Surely if you are being overtaken then you stick to the right of the track and allow cars to pass on the left.....no?

 

mate im NOT making it personal at all,,, im telling you who came accross SMUG being in the insuance game,, telling ME that i dont know who im talking to about insurance

i gave you examples,,,, explained why,,,, explained more and again and you still couldnt provide it in writing the exclusion

i understand that the ring is a pisser for companys, loads of claims and means loads of pay outs for the area,,, bet they would like it as a track,,, cause it aint they try and tell you it is

NOTHING in this is personal at all,,,, im sorry if it comes across that way as thats NOT what im trying to do

selling ring insurance seperate is NOT what you offered so you are not misselling it,,, others seem to but you havent that ive seen in this post

its anoying that due to the line you work in it seems that you will get a bashing,,,,, which is why others wont reply

i remember asking greenlight about this on a forum,, asking was it excluded and would he bollox answer that,,,, he would just say " theres a seperate track cover you can take out " and would not comment on that with the " its the underwriters" comment

anoyingly i DO have ring cover,,,its stated in the recorded phone call that im covered to it and they cant not due to it being a public road,,,, all calls are recorded and no exclusions

though again i would like to appologise for seeming to be having a pop at you in a personal way as its not ment to be like that and again i am sorry

 

nope, rules of the road is its up to the other to pass when its safe to do so,, its a road remember

 

My mistake. Could have sworn the best way to think of it, is, a one way dual carrage way. So if you are being overtaken, or the slower car (as you would have been with hot tyres) then you should have been on the right of the track.

 

i was,,,, hence i was off line but corners are different to straight sections,,, never give way on a bend and risk crashing,, overtaking on bends is dangerous

giving way is natural,,, but not a good idea as it made me spin so I would have caused a crash by giving way if that makes sence,, if i held the correct line like i should of the other car would have to slow down and then when its safe to do so give way

any other bend i would have got away with it tbh,,,, kellenhard is a right hand bend that goes ALOT sharper in hence needed to sweep out to the left and then it goes down hill causing the car to unballance,,,, hot tyres with that an the car will slide a little TOO sideways,,,,, though 4wd should have helped me hold the line if i kept the power on,,,, which i didnt like a fool

 

Please let me know when you go out next so I can avoid it.

 

I think you are confusing German road laws and track driving a little.

At the ring if I saw a faster car was coming I would keep to the right, even if that meant I had to "ruin" my corner.

If you got rear ended by a faster car and you were on the left of the track, I fear you maybe the guilty party.

I don't think the polizei would be too impressed with your tales of "lines" through the corner.

 

pmsl

 

Definately. Im aware (anecdotally) of Brits being prosecuted having being rear-ended whilst on the left of the carriageway.

 

I wondered how long it would be before you came along

You are of course correct with your comment, not that you need me to tell you

 

My policy with Admiral (probably not the only Insurance company to do this) states the following:

"The policy does not cover:
Use on the Nurburgring Nordschleife, or for racing, pace-making, competitions, rallies, track days, trials or speed tests either on a road, track, or at an off-road event"

They can refuse to pay out if they want to, it's as simple as that. You can argue with them but you are unlikely to get anywhere at all.
My friend, for example, wrote off his car on a track day and it stated that no track days were covered on the policy. He didn't get a penny and that's after months of calls and attempted attempted negotiations with them...

Advice to anyone that is considering somewhere like the Nuerburgring is to check the small print first in their policy

 

[QUOTE=T1000;7990689]My policy with Admiral (probably not the only Insurance company to do this) states the following:

"The policy does not cover:
Use on the Nurburgring Nordschleife, or for racing, pace-making, competitions, rallies, track days, trials or speed tests either on a road, track, or at an off-road event"

The wifes Citroen C3 policy states exactly the same! Im lucky i have a German policy and im covered regardless so no worries for me!

Would not risk going out onto the Ring without the relevant cover! Last time i was down there, (same time as Ginge) i nearly had a coming together with a Polish M3! I saw him coming in my rear view so i indicated and moved to the right for him, i got a final glimpse of him in my drivers mirror trying to pass me on the right half on the tarmac half on the grass!
Im more worried about other peoples driving ability out there than mine!

The average cost for a German Air ambulance is euro1000 a minute!!! Bear that in mind folks!

 

let me get this right, so when you have an incident at the Ring and the marshalls relieve you of your driving lincence at that point and then they continue to measure up the damage to the barrier and start to clean up the mess you also might have made ie oil, coolant etc

You then just pull out your insurance paperwork and all is ok.....they just let you drive off and await payment from your Insurance Co.........
In all the years ( 9 or 10 ) I have been driving the Ring, one of the most important things I take with me is my "Credit Card" to make sure that I can cover any damages.

It would be very nice to have full cover whilst driving over there if that was the case I would be over there every weekend driving 10/10.

Question : If the Ring is a normal road, why do some German car hire firm also exclude you from driving there.....

rgds "MADDOG"

 

1st point,,,, YES thats what they do,,,,, you get towed off,, cars on a truck then you get taken to the office and told how you are gonna sort it,,, if its insurance they take the details and confirm,,,, you may also be arrested if theres a doubt also just like any other country

hire companys are not subject to rules laid out like financial institutions are

hiring a car is just that, just like if you was to buy a can of coke but insurance HAS to follow guidelines laied out or you would be insured to drive BUT not on any road where there is a risk of crashing

insurance companys DONT make there own rules up as they go along,,,, they may attempt to tell you but due to the green card rule is where its made difficult

ive yet to have a policy that excludes the ring,,, but is wrote out like morley said,,,, as thats then left to be interpreted how they can yet still not be breaking any guidelines