Originally Posted by chip-3door
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?
Chip,
As an individual, you're on the level. We've conversed before several times and you're a good guy.
The problem is that everyone appears to be looking for loopholes to exploit, rather than picking up the phone to your Insurers for definitive answers and tackling the Insurer head on.
In the case of the Ring, telling an Insurer that you are going to Germany does not represent a FULL disclosure of material information.
You will all have agreed to/signed a legal declaration when arraning your policy and ALL Insurers have this within their contractual information, which as mentioned places the honus of full disclosure upon the policyholder.
This requirement is open ended in as much as it requires your disclosure of ANY fact or information which may represent a variance in exposure to your policy Underwriters, they also state that if you are unsure as to what to disclose you should disclose all information/items for their assessment in terms of rating.
Anything that represents a heightened exposure is required to be disclosed, thus advising an Underwriter youre going to Germany will not be classed as full disclosure.
As for taking a facetious approach of "do I need to tell them every A or B road im driving upon" to obscure what you are actually doing, would potentially be regarded by your Insurer at best as a contravention of disclosure (non-disclosure) and at worst a pre-meditated attempt to defraud an Insurer.
Lets be straight here, the reason for the trip is to visit the Nurburgring, which can be proven fairly easily by an investigator following an incident on track. It's not just a case of a 'trip to germany which MAY include the ring.
If and when you ever arrange cover via Greenlight, then have a claim upon the ring I would be happy to represent you & fight your corner. As I would with any Greenlight policyholder.
But with Insurers ducking the issue at every opportunity, unless challenged in court and precidents set things are not likely to change.
In the meantime, I'd be interested as to your naming along with comments in respect of the definitive view of your current Insurers - by this im not talking of a clerk in a call centre, im talking of a senior underwriter who confirms the Insurers official stance.
Kind regards
Tony