Cam

Just been sorting some stuff and found out my insurance company (Privilege) don't offer cover for the Nurburgring under the "no unlimited toll road" clause. £4300 and its not worth a toss...ARGHHHH!!!!

Any suggestions peeps?

Cam

sbd16v

do you mean because there is no enforced speed limit if so and someone may corect me on this but the road does have a speed limit as a get out cause for insurance reasons it is there all year round but is only enforced for 3 days

Cam

I argued with them that it was a public toll road with a speed limit but they consider it a closed racetrack and will not cover me under any circumstances. New insurance company required pronto.

Mike Rainbird

iTrader: (3)

Cam,
As SBD says, there ARE speed limits in force on certain parts of the toll road, so in theory, you "should" be covered. However, I would imagine that this clause has been put in to expressly exclude the 'Ring by underwriters, who are not aware of the speed limit in force (at Adenau Bridge), meaning it is not totally unrestricted..?

The only things I can suggest is to ask if the will extend the cover to include this explaining that there are speed limits in force (you will want any agreement in writing though!), or seperate cover or finding someone that does cover it?

Cam

Just on hold waiting to talk to one of their underwriting team but it doesn't sound good.

Cam

MadMac

Dont think they are gonna accept that one sbd

Same problem with myself, get insurance for everything else (got me my euro breakdown cover too now so if I blow up can get a tow home)

no one is touching the ring thou.

Linsay

I read about this - as i myself am insured with Privilege (who i can't fault for anything other than this) on Ben Lovejoy's site
http://www.nurburgring.org.uk/insurance.html

Cam

They will not cover the'Ring and apparently, according to the underwriting pencilneck, most insurance companies adopted this clause in April due in part to TV coverage of Ring trips. Cheers Jezza ya lanky fucktard!

Cam

Anonymous

Unless it actually states on your policy something that explicitly discounts the ring (which unrestricted toll road doesnt as its NOT one) then it doesnt matter if they want to cover you or not, they are legally obligated to do so.

R4N SS

iTrader: (6)

hold on a minute - you pay 4300 quid on insurance

Rhys

I was just going to say that

Cam

They class the Ring as a track as do 99% of insurers

Cam

Sadly yes £12 a day before key goes in the ignition but I have declared all mods and have a high agreed valuation plus guaranteed salvage rights.

K3V HA

And he's not exactly a spring chicken eh Cam!!

The car as standard was worth the insurance though, fcuk knows what its like now!!

Cam

Cheers..lol

It was £1650 comp/protected no claims/agreed value/salvage rights when it was stg1 420bhp but now its sorted its £4327.26 and the coonts didnt even drop the 26p.

K3V HA

Did ya go ahead with the new engine then Cam?? Any more pics of this beast yet??

Cam

Work is in progress in deepest Lancashre at this very moment and *fingers crossed* I may have it back for TOTB but the downer is only 1bar of boost and 5krpm for 1000 miles....so maybe going to TOTB in it isn't a good plan.

Mike Rainbird

iTrader: (3)

Cam,
Anyway, I don't know what you're worrying about, as Gareth Lloyd's insurance company said the same thing to him about his F40, but he still took it .

CraigN

dont we risk it everytime we go on track anyway if you dont have insurance.

Porkie

iTrader: (1)

We do Craig, and I agree with you... but as Cams Gearbox is worth about the same as your entire car you can see why he is being a little more careful Cost of repairing Skylines is horrific as well. Aluminium bonnets, wings etc..

CraigN

ahhh

shoudl have kept shonky ford

Mike Rainbird

iTrader: (3)

Lee,
And repairing F40s is REALLY cheap .

Porkie

iTrader: (1)

And where did I say it wasn't????

So retract the you cock jocky

Mike Rainbird

iTrader: (3)

RWD_cossie_wil

iTrader: (9)

£4300 insurance they must think its fooking xmas , whats done to the car cam??

foreigneRS

mike is right about there being a speed limit over adenau bridge (due to exit/entry point there), but who has seen it on a hot lap, nevermind took any notice of it?

Cam

Four things basically -

1, Been done before for no insurance way back when I was 17 (riding my bought @ sixteen 750cc at 125mph before my 17th bday/speeding/no license etc) and don't want to go through that kinda shit in the Fatherland.

2, Totalled a 6 week old GSXR1100 at Cadwell and insurance didn't want to know so that has made me from that point on very picky that I am fully covered and declare all mods.

3, Say I hit an F40 uninsured then not only do I have a mashed Datsun to repair but also the 2nd best Ferarri next to a 348 ( ) at my expense...err fook that!

4, Worst scenario - I am involved in a crash where there is a fatality and end up doing a 15 stretch (they dish out heavy sentences there) for culpable manslaughter and not compensating victims family via insurance cover.

Gareth must have been (overly imo) confident that he wouldn't have any prangs and/or was well heeled enough to be in a position to cover all costs if things went Pete Tong.


Cam

NathR

Never noticed the speed limit on the bridge!

My insurance is the same, has the clause that Ben Lovejoy mentions, which does definately mean the Ring isn't covered. Mines been round there two weekends now and on the prior 3 trips I was driving my old chaps car which I'm certainly not insured on!!

Not wishing to talk anything up but, heaven forbid, if anything did happen, your best bet would to be towed a fair distance away and make something up.

Cam

Engines been hopped up/gearbox changed/wheels/brakes/susp/stereo plus I have had a heart attack and have an agreed value of £75k all mods etc declared.
The agreed value took a lot of negotiating and bumped premium up by £1700 or so on its own but if I mash the car I get back most of my investment and guaranteed get salvage rights to the remains.

Cam

Cam

I would be prepared to risk that to get my car recovered back to the UK but in all honesty could you see a "secret" like someone bending their pride and joy at the Ring not being all over the net and like I said before if there is a fatality it turns a fun weekend into not just a life wrecker but also bankrupts you as well.

NathR

I know exactly where you're coming from, especially as my old chap had a fairly minor prang in his Z3 M Coupe round there last year only for it to be broadcast on Top Gear!

Totally agree on the fatality thing, I think if that did happen then finaces would probably the last thing on anyones mind. At the end of the day anyones first trip to the ring should be treated as not much more than a Sunday drive around to get a feel for the place, aslong as everyone uses mirrors well and are generally aware then I would like to think we'll all have a safe trip.

Cam

I am off there twice in August (1 as a passenger and 1 driving in a rental car thats insured for Ring) but for the Sept trip I am trying to sort some Ring specific cover.

Cam

Damo V

this is my plan

Escy

[quote="Cam"]AFAIK, its knock for knock on a race track.

Cam

[quote="Escy"]Not when you are uninsured

Rhys

CAm what power is ur car then?

Cam

Dont know its not been on a dyno but over 600hp deffo

Escy

i don't see how insurance has anything to do with it? if the other party was insured, they could claim on their own policy, if neither of you are insured, its knock for knock and then broken legs handed out.

Cam

OK take this scenario -
Your braking from high speed and a fully insured German bike rider slams into the back of you and is killed immediately. The Feds HAVE to be informed of any injury so along come GrupenFuhrer Plod. The way they look on an accident like that over there is that the person who was rearended was at fault for not being correctly positioned so you are arrested on suspicion of causing death by negligent driving. A few months later you go to court and it gets judged knock for knock (knock for knock assumes both parties have cover) and the fact your insurance DOESNT cover Ring laps isn't an issue...Hmm I think not.
Folk are sugar coating it but basically saying they are happy to go on this trip *uninsured* while they are on Ring and thats a risk I am not prepared to take.

Cam

Escy

the way i understood it was.... for example:

i've just overtaken you , we both go around a corner, i spin and my car takes yours out. your insured and i'm not so you can't claim off me, if you wanted a pay out, you'd have to claim on your own policy.

i'm probably wrong, its just how i always thought it was, especially considering the majority of trackdayers don't have any form of insurance so if 2 of those come together its a knock for knock, shit happens outcome.

its sensible not to risk it anyway, not having a dig or anything