A trip to the Ring would be regarded as "material information", which under duty of disclosure would place the onus upon the policyholder to firstly disclose a potential trip to the Ring when arranging their annual cover and secondly to seek advice prior to travelling as to whether this was covered.
In my opinion, if I inform my insurer that I am going to be driving my car in Germany, then that means that I have disclosed the fact that it will be used on A/B/Motorway roads in germany by definition, and I do not feel that I need to explictly inform them of the road number of nickname of every road in germany that I intend to drive along.
Would you say that my belief that my saying "Im going to be driving my car in germany" implies that I am informing the insurer that I am driving my car at the ring?
Or do you feel that it needs to be more explicit with regards to every single road I intend to drive along during my trip to germany, some of which I may or may not drive more than once, ie the road to and from the hotel which I could drive as many as 30 or 40 times in a weekend, just like I may do driving the ring?