Ginge !

iTrader: (1)

which company do you work for ??

seriously as i know of 4 people AND spoke to marshals who have also told me they have YET to have a issue claiimng for the damage off insurance companys

lots of people who work for companys claim stuff,,, this is ACTUAL fact not guess work from the internet !

Gutmann pug

With regard to break down recovery I have been unfortunate enough to try it out a few time

First time - 205 undiagosed fault on motorway in Belguim. I bought the recovery with my fery tickets for about £20 (long weeked) Car was recovered to home address without issue.

Second time - Scooby 5 wheel studs snapped in Bruxxels. Green flag recovery, car was recovered to home address

Third time - 205 drive shaft failure near SPA. Green flag again. Car recovered to peugeot dealer near Liege, car fixed the following day and I was put up in Ibis in Liege while the repairs were carried out. Car would only be repatriated it the value was over £5000 (or figure close to that)

Alot of the guys now use ADAC as that means you get removed from the ring for nothing plud you have breakdown in Europe and also in the UK.


With regard to insurance. Personally I would not like to be the one who tries the law on the subject. If a policy stipulates you are not insured on the ring / derestricted toll road (yes I know it has 3 speed limits on it) and a person on the phone has told you you are not covered I think it's worth saying you have a world of hurt coming your way in the event of an incident and claim.

If you work for a company who is friendly to these claims please post the company name and I will make sure my members know who they are.

Moley

iTrader: (9)

I work for Keith Michaels. We're a broker, not an insurer, so we speak to underwriters from many different companies, who all tell us the same thing.

Possibly the claim people work in a call center ( ) so don't know what the Nurburgring is, therefore the claims are allowed.

I'm just pointing out what the actual underwriters are saying, and what is being excluded in cover.

Ginge !

iTrader: (1)

mate underwiters mya say its not covered BUT they are governed by rules still !!

they have to provide cover for europe and by there laws,,,,,, insuance stlll have a MIN requirement,,, HENCE we are required it by law

they cant exclude public roads,,,, cause there public roads and by law your required to have insurance on them,,,, which is what the insurance company covers

track use is different,,, and also as the ring on TOURESTFARTEN is a public road MEANS that its not insured as ITS NOT A TRACK !!!,,,,, you see the point im making

you cant take a track car on there,, you cant run slicks,,, its a ROAD,, its a a strange situation but by german law IT IS A ROAD,,, anyone in german can use it as a road,,, on there insurance as its a road

track day cover at the ring is NOT correct insurance just like insurance EXCLUDING DRIVING TO WORK means if i drive to work im NOT insured

the policy excludes track use,,,,, but its not a track,, thats the point

if it states " not including the ring " they will NEVER write that as its no legal at all !!!

also insuance companys will never let this go to court incase they lost too,,, hence they try there best to avoid paying,, but fight it with legal help ( which will cost which is why it never happens ) then you will win but its yet to go that far !!!

Moley

iTrader: (9)

I am pretty sure they can exclude anything they want.

They'll basically say if you don't like their terms, don't use them.

Sounds harsh, but that is what it comes down to.

Ginge !

iTrader: (1)

no they still have to provieda min cover by law,,,, you think insuance is not governed yet your a broker ???

seriously you think its that simple,,,, sell insurance that dont cover a MIN or the legal requirement when its sold for road cover ???

NO ????

Moley

iTrader: (9)

Yes insurance is governed, but the people who govern it allow insurers to put exclusions in their policies.

Ginge !

iTrader: (1)

yes but the MIN requirement is insurance on the road,, including europe which means that touristfarten days are a german road,,,,, and as so is a MIN requirement

thats the point im getting at,,, they cant exclude roads,, otherwise accident hotspots will be added,,,, there are some things they can exclude,,, but the road they cant,,, they can exclude driving to work,,,, based on lowering premiums for people who dont drive to work BUT the car is still insured on the road when your going to work

driving in other countrys is the same thing,, cant exclude a public road,, they CAN exclude the organaised track days on the ring that they have there though which is where people are getting confused i think

moff1888

I spoke to the AA last week and they "said" they would recover me from The Ring to my home address if it couldn't be repaired. I did ask a couple of times to confirm this and each time was a yes.

Just to add me wee throw on breakdown into this.

Moley

iTrader: (9)

I am not going to get into an argument, so i'll pass your info to the next underwriter i speak to and see what his opinion is.

GC8

I think that the point being made Gary, is that no matter how undesirable it is from an underwriters point of view, they can not refuse to cover the Nordschleife, or any other public road. Theres a big difference between third party cover and fully comprehensive cover of course. That said, driving the Nordschleife, Im far more concerned about my third party cover because my old 944 track car will never be worth more than £5,000 (and currently way less), but a third party claim could run into millions of €uros!

dynamix

iTrader: (3)

Ginge - you seem to want to try this out for everyone. Go out to germany off your armchair and crash you car and tell us what the costs are and how much you were able to claim back.

As for the €200 recovery that does not include costs for damage to barriers, costs for marshalls, officials, clean up fees, armco, a motorcyclist that goes off because of you, etc etc.

An insurer can exclude whatever they like provided it is in their policy. If you purchase that cover without reading your policy document then it is tough and would be a very costly argument.

GC8

They cant exclude third party cover on a public road in the European Union, no matter how much they want to.

StickyMicky

interesting thread, im due to visit the ring next year and was just planning on paying for some euro breakdown cover, i get free breakdown cover with my bank account, but it does not cover me abroad.

insurance, to be honest, i have a 97 wrx, it is worth pennies in real terms, its now only insured for 3rd party cover, if i crash it (again? lol) i will do what i did last time, and either fix it myself, or just buy another car, i have seen 97uk cars on the autotrader for 1750 ffs!!

but the plan is not to go and try and do a lap under 8 mins or anything daft like that, nice easy laps for me, maybe following some mates that have been before..

dynamix

iTrader: (3)

The most expensive part of an accident over there isnt the damage to your car it is having to pay for armco, track closures, recovery from the track, anyone that crashes as a result of you, officials, helicopters, police, ambulance .........

Like the OP, not something that I would want to take a chance on the fact that some people on an internet forum say 'they cant exclude it cos its public'.

StickyMicky

to be honest, i had not even thought about that, suppose i would have to study the small print and see if its excluded or not?

Ginge !

iTrader: (1)

right,, now as i said before i know people who have crashed at the ring,,, ive BEEN to the ring also and not some person talking ****e whos never left hes home town ffs

insurance cant exclude anything they want,, theres still the MIN cover they HAVE to provide due to them selling insurance,,, they cant do what they like the have rules they have to follow !!!

track insurance AINT legal on the ring as ITS NOT A TRACK< IT IS A PUBLIC ROAD,,,,, if you went to germany you would see the rules on the barrier CONFIRMING IT !!!

thats the FACT here !!!!

im not guessing this at all,,,, ive seen cars towed off the ring with the people ive been with,, ALL of them have been paied out,,,, one of em was insured by tradex as it was hes company demo vehicle

i go to the ring every year mate,,, ill be going next year and maybe before the winter as some of my mates go every 6 to 8 weeks ( scooby sti RA with carbon bonnet and another with a porsche gt2,,, but thats in bits at the min)

oh the guy with the porsche also crashed it at the ring too last year though he never damaged the barriers,,, the real damaged came from the boke who came off after and parked hes front wheel in the rear bumper vent pmsl

dynamix

iTrader: (3)

Like I say, feel free to take out an insurance policy with a company that specifically states that it is excluded, maybe even ring them up on their recorded telephone systems to check that you arent covered, then bin it and report back on how you get on. Good luck

I also go to the nordschliefe (a few times a year) and am fully aware of what it is and what happens there - I dont find it funny when someone crashes there though

It is not a place to take lightly, drive without understanding what you are letting yourself or your car in for or to go in ill-prepared cars either as german road laws are different to the UK.

See you in Germany.

Moley

iTrader: (9)

This is from the 'limitations of use' from one of the biggest insurers in the Uk.....

Excluding use in any competition, trail, performance test, race or trail of speed, including off-road events, whether between motor vehicles or otherwise, and irresective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event.

Jamo

iTrader: (23)

surely the ring is just a public road? (sorry if this has already been covered extensively)

Ginge !

iTrader: (1)

where does that state " not at the ring " ??

thats left open ended to be interpreted as they think they can,,, fact is its it dont say that at all

it states just as it says,,, no racing, no off road events, no circuits or tracks

the ring is a public road,,,, it dont state public road and is like that FOR A REASON,,, cause they cant,, otherwise they would state " or at the nurburgring on public tourist days

due to this " unclear " wording, which it CLEARLY IS and as the ring is a public road its covered under german law

Moley

iTrader: (9)

That is just what is written on the certificate.
I don't have time at the moment to read through policy booklets finding the exact wording.

Ginge !

iTrader: (1)

you see what in getting at though, the wording is not about the ring otherwise it would be started there if its specific ruling,,, but they cant hence they dont and instead have there " brokers" argue for them,, should it go to court they will pay out before they got sued but wait to see if someone can fight them first

JimmyBFC

fvcks sake, calm down will ya?
.

Moley

iTrader: (9)

Yes, i see what you're getting at, but you, me, the insurers, and probably the judge if it went to court know exactly what the Nurburgring is, and why people go there.

If you was to go to the Ring, and had a bit of a 'play' with a biker or other public road user, and he crashed and died, would you be charged with causing death by dangerous driving?
If not why not?

Ginge !

iTrader: (1)

mate you have a bloke whos SELLING insurance,,, who is giving you advice YET is not aware of the rules they have to follow

the certificate is your insurance,,, booklet or not the certificate is what you are taking out

no need to be calm,, i understand what im talking about but a broker clearly does not,,,, hence hes comment of " this is what we offer, if you dont like it go elsewhere" but its not as simple as that,,, finance and insurance have VERY strict guiidlines they have to follow and adhere too hence green card is now standard where before it was " extra " for some companys

selling track insurance on the ring is MISSELLING INSURANCE AND A OFFENCE as the ring is not a track

JimmyBFC

You seem to miss the point that most insurance policies small print clearly states no tracking or sprinting etc etc.

Now its all well and good saying the Nurburgring isn't by definition "a track" which is fair enough and yes it is subject to Germadn dare go there without any additional insurance, n law and indeed classed as a toll road, but like Moley stated, are you taking it for granted that no-one will cotton on and think hmmm....this gimp had a crash at someplace called the "nurburgring" - the track, or sorry....toll road is universally known and it doesn't take a genius to work out what you were doing there and what speeds you will have been doing whilst there.

As Moley stated, insurance companies are now gettign wise to it, and tbh its a good thing, I wouldn't dare go there without extra protection to cover any accidents, just because every ****** you've ever known who's crashed there, and it seems like most of your mates from what you've said......have been paid out doesn't mean it'll continue forever...

Ginge !

iTrader: (1)

mate ive been pulled by a marshal at the ring for my driving,,,, was told that im going past what im capable of and if he sees me again im not to be taken off for the day

its still a road,,,, racing is NOT allowed not is overtaking on the right, there are speed limits there and you can be pulled off for drifting and causing dangerour driving

oh and false plates are also illigal too there

JimmyBFC

Of course Gary will try to drum up a bit of business but in my dealings with him he's sorted me out some great deals IMO, Garys a Subaru enthusiast, I don't think for a minute he's mis-leading ppl and fobbing them off.

JimmyBFC

sorry matey, but says it fookin all tbh doesn't it.....