...at the ring this trip?

Obviously a std policy excludes road racing etc.

 

AFAIK its not a race track on public days? Probably wrong but nevermind

 

Are you trying to be controversial again? It's a public road and not a race track officially so I doubt there were many there that weren't insured.

 

EVERYONE with a green card was insured


I spoke to the ring officials after my off and expressed a concern as to wether my insurance company would cover the damage and offered to pay personally on my credit card instead, he said "the ring is a road, your green card covers you on roads, we WILL get the money from your insurance company, you dont need to be inlolved"

So it seems like however the insurance companies try and word the policy there is no way they will get out of their thrid party liability.

As for wether they try and get out of their other liabilities, ie my injuries and the car, i dont know yet.

But from a LEGAL VIEWPOINT (ie third party) everyone who had a greencard there was covered.

Its NOT racing, its NOT a trackday, its NOT a timetrial, its just driving quickly along a road that has some sections with no speed limits.

 

Phil is correct. Phone your insurance company and ask if you are covered for the 'Ring [at any time] and you will find that most policies have a specific exclusion clause.

 

As Cam says - there some clause in a lot of the "performance" and "modified" broker's policies that specifically excludes the ring.....

 

YOUR A LIABILITY!!!!!!!!! 1ST THE MONDEO, NEXT YOUR BMW, PERHAPS WHEN YOUR MINI IS COMPLETE YOU SHOULD SELL IT TO SOMEONE WHO CAN DRIVE!!!

BACK ON L PLATES FOR YOU I THINK!

 

Indeed they do, and it does NOT stand up in german law for covering your third party liability on a german road.

Thats what the ring officials told me.

They said that they have NEVER failed to get payment from any insurance company who has issued a green card, irrelevant of any clauses or not.

As the green card does NOT have that clause on it and its the green card that dictates their liability to third parties.


So any exclusion will only effect cover beyond that which is legally required, ie for you and your vehicle.

 

I wouldn't like to take the word of some German roadsweeper as Gospel tbh

 

 

Was the person in charge of the ring, not one of the people cleaning it up.


Just stop and think about it though, imagine if insurance compaines really COULD choose not to cover you on certain roads.

"hmm, kings road in brum had 4 accidents last year, you arent allowed on that, the A38 from taunton to bristol is exluded......" etc

It would be a fucking nightmare to try and police when they pull you over!
cop: "is your car insured"
you: "yes"
cop: "please show me the list of roads you are covered or not covered on"



Aint EVER going to happen like that, as long as the ring is a road with speed limits etc they have no chance of avoiding it.

 

The 'Ring has gained in popularity along with trackdays in general in the last 5 years and insurance companies are getting wise to it and wording policies accordingly.
I spoke to both my broker [Privilege] and even to their underwriter on this very topic and was told that my car was NOT insured for the 'Ring at any time plus that if God forbid I crashed and maimed or killed a passenger I would be liable/risk prosecution. Just being covered for a bit of Armoco isn't being properly covered by insurance
You can get separate 'Ring policies now

 

So how many was insured?????


Its WERE insured Phil or do you just like sounding thick

 

Despite what they have said, if you get issued a green card and drive the ring and knock off a biker i think you will find that they ARE covered despite the broker and underwriter protesting otherwise but you wouldnt get anything for your car.

Under german law if you have a green card then the people issuing it are liable at the ring for your third party responsibilities, wether they want to be or not, they do NOT get that choice.

Thats how it was explained to me anyway, and TBH it makes perfect sense that way round.

 

Well done!! I was desperately trying to resist that myself!!

 

In a forign country... their law applies...

And as Chip says... its just a German road like any other!

Alex

 

the green card is not even necessary in the EU anymore. the certificate of insurance is enough, as third party cover in the EU is madatory

pmsl at the shit stirrer. road racing....

 

Hmmm I'm still not convinced that in practice especially in a fatality that would be the case. Its deffo a grey area where UK and Euro law clash.
A special all risks/comp 'Ring policy worked out at Ł39 per day for the GTR btw.

 

With the exception of the 'Ring

 

The ring have NEVER failed to recover costs from any insurance company from what i was told.

So in practice these exclusions dont seem to effect the third party liability.

39 quid per day is cool though, i would definately pay that
(if anyone will still cover me, lol)

 

I got oit in writing from Tradex, i was insured fully comprehensive. My broker also explained it in EXACTLY the same way chip has.

He also topld me that some companies clause out "Unrestricted toll roads" but fail on that point in law as the ring is NOT unrestricted.

I would'nt personally listen to rumourmongers and personal brokers, as most of em know fook all about their jobs, they are just salesmen. Ask anyone with a tradex policy who THINKS as standard, they insure Ford Cosworth's. I ASSURE you, and have it in writing, that they DONT. Bet your brokers all think they do though and told you as much..... thank fook i always check with the underwriters!!

 

 

That quote was pre-Easter so its probably increased with all you fookers trashing the German countryside since then

 

Probably

 

I wish i got pictures of:
Three campervans sightseeing
Tourist bus
Several delivery drivers using it as a cut through from adenau to nurburg (you can join halfway through)

And asked phil to explain how they were "racing"

 

I spoke directly to my underwriter and on my policy it has the no time trials/track etc then mentions the NurburgRing specifically is NOT covered.
Most of the modified car insurance companies have added the same clause naming the 'Ring. It would be interesting to hear what Tony from Greenlight has to say.

 

I looked into this too. Despite what insurers may put on their policy, it won't stand up in court. If it is a public road, you are insured, otherwise it would be illegal for you to drive on it full stop.

 

Mmmm who to believe.... whoooo to believe.... salesman from an insurance company who has an incentive for people not to claim from them or the head of the Nurburgring during his last chance to recover any money from someone who just parked a beamer in one of his barriers.

Oh it's a tough one.

 

To be honest, if the ring officials weren't sure about recovering their costs, don't you think they would have taken Chip to the cleaners there and then.

Chip wasn't the first and won't be the last, so I am sure they knew exactly what they were on about.

 

LOL

Indeed, i even gave him the offer of alternative payment but he choose to just take my insurance details as to him they are what he considers to be as good as money in the bank!

 

Who are you insured with Chip?

 

Dont forget the Cossie!!!...I am surprised you get insured for a normal road


BTW what time did you manage the ring in?.....OOPS your not racing or against the clock are you?

Spadge shut up you pedatic goon

 

Phil, I'd better tell you before Spadge does..........it's: "pedantic"

 

Doug dont worry he wouldnt have noticed....would have fucked him not being able to find it in the dictionary though!

 

Jay thats an uneducated reply mate, most policys if asked exclude the Ring

Mike

 

Why????

He hasn't crashed that one?!?

Alex

 

Ive had 3 at fault accidents in 14 years, none of them in a cossie.

My mate Rich was driving the rs500 when it hit the lampost not me.

 

I would rather be pedantic than thick as shit Phil
I would also rather be reading about others enjoying themselves than sitting at a comp jealous of others having fun and trying to get attention

 

Bosch Man said:
BTW what time did you manage the ring in?.....OOPS your not racing or against the clock are you?

i got from my parents house to work in precisely 1 hr and 13 minutes the other day,i wasnt racing though,just noticed the time i started and finished!

 

I had this checked out when i went to the Ring with the Central RSowners club a few years ago,infact i was on someone else insurance driving his escos,the Ring is classed as a German public road, so i was covered even on someone elses insurance,as you would expect.