Nurburgring and not paying for damage
14-09-2010, 06:32 PM
#1
Nurburgring and not paying for damage
Years since I crashed there and at that time all they wanted was your insurance details.
When Ian crashed they wanted payment there and then and it was only 600 odd quid or something so he paid it there and then.
What happens if you get a big bill and dont have the cash to pay for it though?
Anyone know of someone that it has happened to?
Just had someone ask me exactly that and I dont know the correct answer to give them.
When Ian crashed they wanted payment there and then and it was only 600 odd quid or something so he paid it there and then.
What happens if you get a big bill and dont have the cash to pay for it though?
Anyone know of someone that it has happened to?
Just had someone ask me exactly that and I dont know the correct answer to give them.
14-09-2010, 06:44 PM
#4
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Credit card, if you don't pay up they keep your car and pass you onto the police.
A friend of a friend had a crash causing 3000 odd euros damage. If he didn't have a credit card he would have been fucked.
A friend of a friend had a crash causing 3000 odd euros damage. If he didn't have a credit card he would have been fucked.
14-09-2010, 06:48 PM
#5
Too many posts.. I need a life!!
Did Ian's insurance cover him on the Ring tho? Maybe that's why he had to pay up front. Or they know there's insurance companies over here that won't pay up for people on the Ring so want to make sure they get their dough.
Would they maybe keep hold of your motor until the balance is paid? Sure someone local will know. Doesn't Marco Cosworth go a lot?
It'll be interesting to find out the answer to this one.
Would they maybe keep hold of your motor until the balance is paid? Sure someone local will know. Doesn't Marco Cosworth go a lot?
It'll be interesting to find out the answer to this one.
14-09-2010, 07:01 PM
#7
my insurance has a specific clause saying they will not cover me on the ring, but they will cover me to and from if i need to go there
not sure how it works though as i'm fully comp, would they not insure the car or would they not insure the damage it caused?
what if i hit someone else?
etc?
not sure how it works though as i'm fully comp, would they not insure the car or would they not insure the damage it caused?
what if i hit someone else?
etc?
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14-09-2010, 08:11 PM
#9
In not so many words if you're brit your in the shit
Just got back from our euro road trip without my car, good mate from Switzerland took my mk2 escort out for a few laps and suffered puncture n/s rear and kissed the armco for several meters. ADAC recovered us immediately kept my mouth shut while being recovered it back to our hotel my Swiss friend sorted it all out and only charged recovery from outside the ring to our hotel. Be assured if I spoke a word in english i be facing a much larger bill, learnt that from many peoples misfortune at the ring
ps adrian flux do ring cover if your already with them. couple other places do one-off cover but thats very expensive
Just got back from our euro road trip without my car, good mate from Switzerland took my mk2 escort out for a few laps and suffered puncture n/s rear and kissed the armco for several meters. ADAC recovered us immediately kept my mouth shut while being recovered it back to our hotel my Swiss friend sorted it all out and only charged recovery from outside the ring to our hotel. Be assured if I spoke a word in english i be facing a much larger bill, learnt that from many peoples misfortune at the ring
ps adrian flux do ring cover if your already with them. couple other places do one-off cover but thats very expensive
Last edited by TWoods; 14-09-2010 at 08:13 PM.
14-09-2010, 08:22 PM
#11
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a friend of mine goes to the ring alot and has said the same as others of you speak english your fucked hence he goes over there with a few cred cards lol.
14-09-2010, 08:39 PM
#13
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14-09-2010, 08:49 PM
#14
PassionFord Post Troll
never bothered getting a quote but surely they cant be that bad if you cover yourself for damage to other peoples cars (actually do you have to pay for damage caused to others cars), the track and your own car...unless you drive a worthless piece of crap.
14-09-2010, 09:06 PM
#16
Pretty much the same insurance company in another european country does not have identical clauses and exclusions. Unfortunate for us the statics say we are most likely to crash and cause most damage anywhere in europe not just the ring. The general feeling held is much stronger that we can't drive well and have a poor attitude behind the wheel, the occasional good lap is down to luck than skill.
14-09-2010, 09:14 PM
#18
Regular Contributor
Pretty much the same insurance company in another european country does not have identical clauses and exclusions. Unfortunate for us the statics say we are most likely to crash and cause most damage anywhere in europe not just the ring. The general feeling held is much stronger that we can't drive well and have a poor attitude behind the wheel, the occasional good lap is down to luck than skill.
14-09-2010, 09:15 PM
#19
Unfortunate for us the statics say we are most likely to crash and cause most damage anywhere in europe not just the ring. The general feeling held is much stronger that we can't drive well and have a poor attitude behind the wheel, the occasional good lap is down to luck than skill.
if we had some of the useless and sedated fuckers i encounter daily on their roads they'd be flattened.
14-09-2010, 09:23 PM
#21
10K+ Poster!!
I was taken to the Police station and fined 1000 euros cash, the track officials fined us 800 euros. If I didn't pay the Police I was staying in the cell for the night.
They have got you by the balls if your a brit, thinking back on it I should of made some calls but I didn't see it as the worst fine in the world, I was more worried about the aftermath which as it happened never came to anything.
No receipt from the Police though, ALL forms in German, they had no interest in helping me out with the language barrier, just expected me to sign my life away with some forms which I refused to do.
Was a ball ache tbh and something I hope doesn't happen again
They have got you by the balls if your a brit, thinking back on it I should of made some calls but I didn't see it as the worst fine in the world, I was more worried about the aftermath which as it happened never came to anything.
No receipt from the Police though, ALL forms in German, they had no interest in helping me out with the language barrier, just expected me to sign my life away with some forms which I refused to do.
Was a ball ache tbh and something I hope doesn't happen again
14-09-2010, 09:53 PM
#23
Advanced PassionFord User
Your rad hose popped off didn't it?
Also European law states that an insurance company MUST cover at least third party on European roads (which of course, the ring technically is). However, usually the insurance company will pay out and then chase you for the cash.
Also European law states that an insurance company MUST cover at least third party on European roads (which of course, the ring technically is). However, usually the insurance company will pay out and then chase you for the cash.
14-09-2010, 10:08 PM
#25
Too many posts.. I need a life!!
i.e. The Ring
14-09-2010, 10:21 PM
#26
just finding my feet
i cant see how they can get out of paying for the damage tbh and the bloke in the office already said they aint had a issue getting payment for damage just i doubt you will be paied for the car
that said though i aint planning on being a person to find out
as for ring insurance,,,,,, FUCK THEM PRICES OFF... if you dont crash you still are out a fortune,,,,, the excess is also a joke too that if i took it out i would expect to have a sub 6 min lap and use the armco to guide me round the fast bends
14-09-2010, 10:43 PM
#29
Ive spent a couple of years on and off looking for proper insurance at the ring and cant find anyone offering any.
There are a couple of companies who do offer it of sorts, but they tend to either have a massive excess or a low total payout ceiling, so either way its not really worth a lot.
There are a couple of companies who do offer it of sorts, but they tend to either have a massive excess or a low total payout ceiling, so either way its not really worth a lot.
14-09-2010, 10:46 PM
#30
I was taken to the Police station and fined 1000 euros cash, the track officials fined us 800 euros. If I didn't pay the Police I was staying in the cell for the night.
They have got you by the balls if your a brit, thinking back on it I should of made some calls but I didn't see it as the worst fine in the world, I was more worried about the aftermath which as it happened never came to anything.
No receipt from the Police though, ALL forms in German, they had no interest in helping me out with the language barrier, just expected me to sign my life away with some forms which I refused to do.
Was a ball ache tbh and something I hope doesn't happen again
They have got you by the balls if your a brit, thinking back on it I should of made some calls but I didn't see it as the worst fine in the world, I was more worried about the aftermath which as it happened never came to anything.
No receipt from the Police though, ALL forms in German, they had no interest in helping me out with the language barrier, just expected me to sign my life away with some forms which I refused to do.
Was a ball ache tbh and something I hope doesn't happen again
Yeah I got taken to a cash point and lost some cash as well, although it was only 50 euros IIRC, they must have got braver now about how much the police steal off you these days as that was a long time ago now, lol
Ive yet to hear what happens to anyone who DIDNT pay though, would be interesting to find out. Takes some big balls to say no to the german old bill though I reckon
14-09-2010, 11:00 PM
#32
PassionFord Post Troll
the ring is not a closed toll road,,,, its a toll road that leads from nurburg to adenau
i cant see how they can get out of paying for the damage tbh and the bloke in the office already said they aint had a issue getting payment for damage just i doubt you will be paied for the car
i cant see how they can get out of paying for the damage tbh and the bloke in the office already said they aint had a issue getting payment for damage just i doubt you will be paied for the car
most insurance policies (in this country) state on the policy that there is no cover on the ring. it will be on your policy documents, its on mine.
quick, everyone go check their policies and if somone finds they are covered on the ring please post up who your with and type of policy! you never know, we may strike lucky.
14-09-2010, 11:20 PM
#34
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All my policies have specifically stated no ring cover. Serves them right for you to take a Ł500 banger and plough it into a good few lengths of armco and tell em to keep it. Greek is my mother language so could not utter a word of English and keep speaking to them in Greek
Ring insurance no doubt will be a complete rip off.
Ring insurance no doubt will be a complete rip off.
15-09-2010, 01:17 AM
#35
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Having never been to the ring, I really can't see the appeal TBH, a few mates went in July and said it was basically a Ł15 a lap toll road to get held up behind all sorts of idiots driving crap cars, and get buzzed by lunatics in basically fuly race prepped missiles.. Add to the fact that if you sniff the armco you are looking at Ł1k+, and there is no run-off, anywhere...
I will still go one day just for saying I have been, but lots of petrol head mates who have been have come back frustrated and a bit cheesed off...
I will still go one day just for saying I have been, but lots of petrol head mates who have been have come back frustrated and a bit cheesed off...
15-09-2010, 06:47 AM
#36
Having never been to the ring, I really can't see the appeal TBH, a few mates went in July and said it was basically a Ł15 a lap toll road to get held up behind all sorts of idiots driving crap cars, and get buzzed by lunatics in basically fuly race prepped missiles.. Add to the fact that if you sniff the armco you are looking at Ł1k+, and there is no run-off, anywhere...
I will still go one day just for saying I have been, but lots of petrol head mates who have been have come back frustrated and a bit cheesed off...
I will still go one day just for saying I have been, but lots of petrol head mates who have been have come back frustrated and a bit cheesed off...
red,pmsl.1.1 fiesta's and corsa with you in a 350bhp cossie
blue,you in a 350 bhp cossie and the bloke in the race prepped 600+ porsche thinking exactly the same as the red but about you
15-09-2010, 06:57 AM
#37
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i know someone who scraped into a good length of the armco when he spun but luckily there was no other cars around so he just carried on as had ended up facing the right way. When he got back from his lap he went round inspecting the scraps on his bumpers only to find his stick on front plate had fallen off so it was quick march out in one of his mates cars and amazingly they found the plate lying there on edge of track so quickly recovered it and fucked off. Fair play hey and one up on them. We won the war! Lol
Last edited by EssexMikeSi; 15-09-2010 at 06:59 AM.
15-09-2010, 08:31 AM
#38
Just found this from a leeds solicitor who claims to specialise in ring claims.
Which sounds like its all gravy on the 3rd party front, until you read this:
So basically that is saying that potentially what will happen if you try and claim through your insurance, is the insurer will be forced to pay out to the ring, but will then recover the money (and cost of recovery of course) from you potentially.
So it will be interesting to see what the european court of justice decides.
In August 2010 the Financial Ombudsman Service made a final decision regarding a case concerning the Nurburgring Nordschleife. The Ombudsman ruled that the Nordschleife is a one way toll circuit with all the characteristics of a 'prepared course'. The insured's policy excluded use on a 'prepared course'. This sort of exclusion was held to be neither unfair or unreasonable given the increased risks associated with driving in such places. The existence of road traffic laws and speed limits was said to be irrelevant as it is still a 'prepared course'. The insurer agreed to meet any third party liabilities but this did not mean that the driver was driving within the terms and conditions of his policy. The ombudsman said that UK and European law requires insurers to provide a minimum of 3rd party only cover even if their policyholders are using the insured vehicle in a manner which invalidates their own-damage cover. There is no restriction on the right to exclude certain matters affecting the policyholder's own property and person. Such matters are governed by the contract of insurance entered into by both parties. Hence, the insurer can indemnify the third party (to comply with the law) without having to indemnify the driver for his own losses if they arise from an excluded event or situation.
Your insurance policy will probably contain a clause to the effect that if the insurer is obligated to meet a claim it otherwise would not pay then the insurer is entitled to reclaim the settlement from the policyholder. In May 2010 the insurer's right to recovery was considered by the Court of Appeal. The case has been referred to the European Court of justice.
So basically that is saying that potentially what will happen if you try and claim through your insurance, is the insurer will be forced to pay out to the ring, but will then recover the money (and cost of recovery of course) from you potentially.
So it will be interesting to see what the european court of justice decides.
15-09-2010, 08:37 AM
#40
15K+ Super Poster!!
You'd end up with a bill, which they would fight for you to pay. Worst think that can happen is that you are put in a cell overnight. They have no choice but to release you then.
Rick
Rick