Ring insurance
03 July 2008, 10:28 AM
#1
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Ring insurance
Hi All,
Planning a trip hopefully for august to the Nurburgring and was wondering where to get insurance from? Any one had any experience?
Also for recovery (breakdown) who covers break downs on the ring?
Cheers
Planning a trip hopefully for august to the Nurburgring and was wondering where to get insurance from? Any one had any experience?
Also for recovery (breakdown) who covers break downs on the ring?
Cheers
03 July 2008, 12:44 PM
#2
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AFAIK the ring is a public toll road so your EU cover with your insurance Co SHOULD cover it unless there are cheeky clauses to the contrary.
Regarding breakdown cover there are loads of companies that exclude the ring, AA for one.
I'm with More Than purely because (last time I looked) in their small print the ring isn't excluded.
Head over to Northloop and ask there.
Regarding breakdown cover there are loads of companies that exclude the ring, AA for one.
I'm with More Than purely because (last time I looked) in their small print the ring isn't excluded.
Head over to Northloop and ask there.
03 July 2008, 01:09 PM
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if you ask your insurance company they will say NO,pop over to northloop.co.uk to get more info as some specialist companies will insure you.
you will also need ADAC membership in case of an accident etc
martin
you will also need ADAC membership in case of an accident etc
martin
03 July 2008, 03:49 PM
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I've got RAC cover and just rang and asked about Ring cover.
For seven days in september it would cost £49. They have no specific clauses relating to the ring as long as your not on the track "in a race" when you crash or breakdown.
It is terrible what can happen in the car park!
For seven days in september it would cost £49. They have no specific clauses relating to the ring as long as your not on the track "in a race" when you crash or breakdown.
It is terrible what can happen in the car park!
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03 July 2008, 05:32 PM
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This site has a lot of very useful info on the ring.... the section on insurance reads:-
Ben Lovejoy
RMH
Ben Lovejoy
RMH
03 July 2008, 07:25 PM
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ADAC Plus is the one to get.
They will recover you off The 'Ring as well as providing Europe wide breakdown recovery incl the UK.
It's just cost me 98euros for me and the wife to join ADAC Partner Plus,considering that the AA wanted about the same for just the missus to have UK recovery...bargain!
They will recover you off The 'Ring as well as providing Europe wide breakdown recovery incl the UK.
It's just cost me 98euros for me and the wife to join ADAC Partner Plus,considering that the AA wanted about the same for just the missus to have UK recovery...bargain!
03 July 2008, 08:00 PM
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As above, ADAC are first rate and theyll pay for themselves more than twice over if you need recovering off the Nordschleife, perhaps much more.
With regards to insurance, your insurers cant limit their third party liability, irrespective of what they say. Lack of comprehensive cover might worry you, but the potential loss is small compared to the cost of armco, track closures, air ambulance, for yourself, or more worryingly for others (and all of the above can be due to your spilt fluids...).
With regards to insurance, your insurers cant limit their third party liability, irrespective of what they say. Lack of comprehensive cover might worry you, but the potential loss is small compared to the cost of armco, track closures, air ambulance, for yourself, or more worryingly for others (and all of the above can be due to your spilt fluids...).
04 July 2008, 09:44 AM
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After digging around and speaking to a few companies + friends at work/home who have been there (plus me and the missus having a good read of the nurbergring.co.uk web site!), the plan is to get a few UK track days under my belt first more for the experience of how the car handles under pressure. Find problems with the handling and get the car set up for road/track use.
I have done 3 driver training days with Andrew from 1st Lotus @ Northweald but probably best to put the theory and lessons to practice at something like brands or oulten. Insurance for a days cover at one of these is approx £100 for £8-10ks worth of cover which seems reasonable.
I have done 3 driver training days with Andrew from 1st Lotus @ Northweald but probably best to put the theory and lessons to practice at something like brands or oulten. Insurance for a days cover at one of these is approx £100 for £8-10ks worth of cover which seems reasonable.
06 July 2008, 01:22 PM
#13
ive known a few people to crash there, all have been paied out buy the insurance,,,, the ring people have also saud they have YET to have a issue when claiming for the damage !!!
ive been twice, going again next easter and maybe at the end of the summer
RAC cover breakdown on the ring but not crash !!
ive been twice, going again next easter and maybe at the end of the summer
RAC cover breakdown on the ring but not crash !!
06 July 2008, 01:29 PM
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I came back from the ring last weekend and if you are insured with keith michaels they can offer ring cover for an extra £60 per day which is well worth it IMO as no other insurance company i know of offer ring cover.I also went with ADAC breakdown cover which fortunately i didnt need
06 July 2008, 01:41 PM
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You cant fault the £60 extra premium, can you? Especially when you consider how much more likely it is that youll make a claim (on the FC element of your insurance). Just think, for every ten days sold they make £600, which will barely replace and paint a wing and bumper if you tickle the armco. When you consider that the third party claims amounting from something as simple as overheating and dropping coolant, can amount to tens of thousands of Euros, its brilliant.
06 July 2008, 03:35 PM
#16
You cant fault the £60 extra premium, can you? Especially when you consider how much more likely it is that youll make a claim (on the FC element of your insurance). Just think, for every ten days sold they make £600, which will barely replace and paint a wing and bumper if you tickle the armco. When you consider that the third party claims amounting from something as simple as overheating and dropping coolant, can amount to tens of thousands of Euros, its brilliant.
its like being charged twice for petrol and thanking them
06 July 2008, 03:48 PM
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I fully understand, but whether the exclusions that insurers attempt to enforce are legal or not, is not an arguement best pursued when your pride and joy has just been dragged onto the back of an ADAC recovery vehicle. Ive always maintained that insurers have no choice but to meet third party claims, but they could tie you up for years over a fully comp. claim...
06 July 2008, 09:49 PM
#18
You'll find that more and more insurers are now excluding the Nurburgring, stating on the cert or in the policy booklet that no cover is in effect.
You can argue with the insurers as much as you like it you have a claim, but they know exactly what the Nurburgring is, and why you're there.
A few years ago (even 6 months ago) you might have got away with it. But there are now so many claims happening over there that the insurers will now look MUCH closer at any claim.
06 July 2008, 10:05 PM
#19
That £60 is nothing to do with a green card...it is for track cover.
You'll find that more and more insurers are now excluding the Nurburgring, stating on the cert or in the policy booklet that no cover is in effect.
You can argue with the insurers as much as you like it you have a claim, but they know exactly what the Nurburgring is, and why you're there.
A few years ago (even 6 months ago) you might have got away with it. But there are now so many claims happening over there that the insurers will now look MUCH closer at any claim.
You'll find that more and more insurers are now excluding the Nurburgring, stating on the cert or in the policy booklet that no cover is in effect.
You can argue with the insurers as much as you like it you have a claim, but they know exactly what the Nurburgring is, and why you're there.
A few years ago (even 6 months ago) you might have got away with it. But there are now so many claims happening over there that the insurers will now look MUCH closer at any claim.
hence they can not fail to pay out on a claim UNTIL they make it a track
you need a valid MOT/insurance and licence UNLESS its closed for a organised track day,,,,, thats what they aint telling you
on the tourist days its a public toll road !!!
ive been there twice,, seen people who have crashed and claimed and got paied out on there NORMAL policy
otherwise the isle of white would be banned as thats closed for TT racing
06 July 2008, 10:08 PM
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Its spelt Isle of Wight and the TT isnt there its on the Isle of Man
HTH
Oh and i think Moley knows his onions as he probably insures a good majority of people on this forum
HTH
Oh and i think Moley knows his onions as he probably insures a good majority of people on this forum
06 July 2008, 10:12 PM
#22
mate its NOT a track, theres a sign on the barrier when you enter telling you that german road laws applie !!
hence they can not fail to pay out on a claim UNTIL they make it a track
you need a valid MOT/insurance and licence UNLESS its closed for a organised track day,,,,, thats what they aint telling you
on the tourist days its a public toll road !!!
ive been there twice,, seen people who have crashed and claimed and got paied out on there NORMAL policy
otherwise the isle of white would be banned as thats closed for TT racing
hence they can not fail to pay out on a claim UNTIL they make it a track
you need a valid MOT/insurance and licence UNLESS its closed for a organised track day,,,,, thats what they aint telling you
on the tourist days its a public toll road !!!
ive been there twice,, seen people who have crashed and claimed and got paied out on there NORMAL policy
otherwise the isle of white would be banned as thats closed for TT racing
I'm just saying insurers aren't stupid, and things are changing. LOTS are excluding it from their policies. (rightly or wrongly)
06 July 2008, 10:22 PM
#23
some insurance companys charge for euro cover ontop still,,,,,, even though by law they have to cover you anywhere in the EU
06 July 2008, 10:27 PM
#24
06 July 2008, 10:28 PM
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They are Gary, but they cant. They can no more refuse to pay a third party 'Ring-related claim than they can a M6 Toll claim.
07 July 2008, 07:32 AM
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I've got RAC cover and just rang and asked about Ring cover.
For seven days in september it would cost £49. They have no specific clauses relating to the ring as long as your not on the track "in a race" when you crash or breakdown.
It is terrible what can happen in the car park!
For seven days in september it would cost £49. They have no specific clauses relating to the ring as long as your not on the track "in a race" when you crash or breakdown.
It is terrible what can happen in the car park!
An interesting thread
Just to let you know the RAC will not be recovering you from the ring in the event of an incident. The ADAC or Bonngards will be doing that and they will lighten your pocket load by around 200 euros at the same time.
With regard to insurance if an insurance company specifically excludes the ring or it's implied name - derestricted toll road - then I assume they have something to back the statement up. If they don't I would imagine they would be done for false / incorrect documents.
07 July 2008, 09:07 AM
#27
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Thats a whole load of pain I can do without.
I wouldn't mind the €200 recovery bill. Thats fair enough. It's a very quick response so that everyone else can enjoy the rest of the day. I don't have a problem with that.
I would have a problem with getting my car home. Thats gonna be £x000's. But the RAC would take me home. Or at least they said they would
07 July 2008, 09:24 AM
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mate its NOT a track, theres a sign on the barrier when you enter telling you that german road laws applie !!
hence they can not fail to pay out on a claim UNTIL they make it a track
you need a valid MOT/insurance and licence UNLESS its closed for a organised track day,,,,, thats what they aint telling you
on the tourist days its a public toll road !!!
ive been there twice,, seen people who have crashed and claimed and got paied out on there NORMAL policy
otherwise the isle of white would be banned as thats closed for TT racing
hence they can not fail to pay out on a claim UNTIL they make it a track
you need a valid MOT/insurance and licence UNLESS its closed for a organised track day,,,,, thats what they aint telling you
on the tourist days its a public toll road !!!
ive been there twice,, seen people who have crashed and claimed and got paied out on there NORMAL policy
otherwise the isle of white would be banned as thats closed for TT racing
As Gary said, it may well be a toll road but its also known (that is the watchword here) to insurers in the UK.
07 July 2008, 09:54 AM
#29
ive known 4 people who crashed at the ring, all of them have been paied out AND the barriers paied out too,,,, this aint guess work this is cause ive alot of mates who go the ring ALOT not just once in a life time
just cause you work for a insurance company in a call centre dont mean you inderstand the law in the EU
OH and the ring AINT a derestricted toll road,,, theres 3 sections where theres a speed limit,,,,,, AND ITS A GERMAN ROAD WHERE YOU HAVE TO FOLLOW GERMAN LAW WHEN DRIVING ON IT, cant argue with the law im afraid !!!
07 July 2008, 11:25 AM
#30
I am passing on information from UNDERWRITERS, whom i speak to every day.
FWIW the last claim i had anything to deal with regarding the Nuburgring was where a guy had to pay £5k from his own pocket due to an accident an oil spillage from his car caused.