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

 

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.

 

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

 

ADAC?
How much would an indipendent insurer charge for cover for a day at the Ring?
I'm planning a trip next year too for my 30th.

 

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!

 

Yep. My friend rolled his M3 writing it off in the car park!

7 Days ring insuarance for 49 quid is a bargain!

 

Thats not ring insurance.
Thats RAC RECOVERY!

 

 

This site has a lot of very useful info on the ring.... the section on insurance reads:-

Ben Lovejoy

RMH

 

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!

 

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...).

 

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.

 

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 !!

 

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

 

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.

 

yeah but considering its a PUBLIC ROAD that means that by offering the green card,,,, they HAVE to cover they are just charging you more,,,,,, when you dont need it anyway

its like being charged twice for petrol and thanking them

 

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...

 

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.

 

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

 

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

 

you know what i ment,,, that was the point i was making

autobahn is also derestriced and we was taking advantage of that,,, would that also not be insured ?

 

So people drive round the Nurburgring to look at the scenery?

I'm just saying insurers aren't stupid, and things are changing. LOTS are excluding it from their policies. (rightly or wrongly)

 

the green card policy ****s them over,,,, means that if its a touristfarten they HAVE to insure you

some insurance companys charge for euro cover ontop still,,,,,, even though by law they have to cover you anywhere in the EU

 

Fortunately we're not one of them

One benefit of being in the EU i guess.

 

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.

 

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.

 

I won't be intending to bin it. Trust me.
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

 

So now your telling someone in the know and who works in insurance thats he's wrong....ffs mate, Moley's probably had to deal with a sh1tload of claims...

As Gary said, it may well be a toll road but its also known (that is the watchword here) to insurers in the UK.

 

ok ask him HOW MANY claims hes DELT WITH forn ring damage claims

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 !!!

 

Lol, i am not even going to bite there, as if that wasn't aimed at me you really have no idea what i do

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.