Nurburing insurance - question
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PassionFord Post Troll
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From: Sydney, NSW
Nurburing insurance - question
Ok so you have to be insured to go on the ring under german law.
Your UK insurance says its not covered.
So you don't have insurance so driving the ring illegally...
How does that work then if you need insurance...
Your UK insurance says its not covered.
So you don't have insurance so driving the ring illegally...
How does that work then if you need insurance...
Black Country RSOC
Joined: Oct 2005
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From: Stourbridge
Ive only been there once and TBH, was worried the whole time going round the track, cos lets face it if summat does happen, your gonna be granted no favours by the German police if you are found to have no insurance.
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One option Dingy, is to call your insurance company and ask if they cover toll roads in Germany. When they say yes, get their name and the time and date of the phone call (insurers log every call). That way if you have an 'incident' you can quote the time of the call where they said you were covered.
Or pay separately for additional cover!
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It 'should' as it's a public road, but there's no legal obligation to cover it - Hence why many policies specifically exclude 'derestricted public toll roads'.
One option Dingy, is to call your insurance company and ask if they cover toll roads in Germany. When they say yes, get their name and the time and date of the phone call (insurers log every call). That way if you have an 'incident' you can quote the time of the call where they said you were covered.
Or pay separately for additional cover!
One option Dingy, is to call your insurance company and ask if they cover toll roads in Germany. When they say yes, get their name and the time and date of the phone call (insurers log every call). That way if you have an 'incident' you can quote the time of the call where they said you were covered.
Or pay separately for additional cover!
The Nurburgring is not de-restricted - it HAS speed limits on it if you look carefully.
120, 80 and then 50kph dropping down into Adenau and then the same at the Nurburg entrance/exit point too.........
If you have a green card, it constitutes european wide 3rd party insurance cover.
As far as im aware the clauses in the booklet therefore only refer to their comprehensive liability to you, and change nothing about thier 3rd party liability to the ring as covered by the green card.
Even the usually helpful Tony at Greenlight seems to be unwilling to give a definitive answer on the implications of the green card when it has been mentioned in the past.
I had a green card for my BMW, the ring got paid out by my insurers, not a definitive answer of course, but promising at least.
As far as im aware the clauses in the booklet therefore only refer to their comprehensive liability to you, and change nothing about thier 3rd party liability to the ring as covered by the green card.
Even the usually helpful Tony at Greenlight seems to be unwilling to give a definitive answer on the implications of the green card when it has been mentioned in the past.
I had a green card for my BMW, the ring got paid out by my insurers, not a definitive answer of course, but promising at least.
FYI:
The Green Card Insurance System
Also known as the International Motor Insurance Certificate, this is an internationally recognised document (in countries in which the Green Card is valid) and acts as recognisable proof of third party car insurance in case of road accident while abroad
The Green Card or International Motor Insurance Certificate is equivalent to the national motor insurance certificates of all of the countries a motorist visits. It is an internationally recognised document that is accepted by the authorities of all countries in which the Green Card is valid.
The Green Card System is managed by the Council of Bureaux in London.
It is not essential to have a Green Card when travelling to the EU and certain other European countries (see the Association of British Insurers for details), though if you do not take one you should instead carry your Certificate of Insurance. However, a Green Card can serve as easily recognisable proof of third party insurance, for example in the case of an accident, when travelling abroad.
The Green Card itself doesn't provide insurance cover but does certify that you have at least the minimum compulsory Third Party insurance cover required by law in the countries you visit. However, if you also want insurance against other hazards, such as fire or theft abroad, the insurance company is entitled to demand a supplement if your cover is limited to the Member State in which you reside.
Where to get a Green Card
You can get your Green Card from the insurer who issued your motor insurance policy.
It is normally free of charge or there may be a small administrative fee.
Participating Countries
For visits by motorists to countries participating in the Green Card System the Green Card is not a required document since it is substituted by the national vehicle registration plates of those countries. These countries are the Member Countries of the European Union plus Andorra, Croatia, Iceland, Norway and Switzerland. It is still advisable to carry the Green Card when travelling abroad.
In Gibraltar, Monaco, Liechtenstein and San Marino, the same situation normally applies but it is advisable to check the cover carefully.
The national registration plates of the countries signify to the authorities of the country that your car is insured in respect only for Third Party liabilities for which insurance is compulsory. You are therefore urged to find out from your insurers:
* what, if any, insurance documentation is necessary for the countries you intend to visit;
* the extent of the cover provided by your own motor insurance policies for the countries you intend to visit;
* the procedure to be followed in the event of an accident in a visited country.
Other countries are party to the Green Card arrangements (you will either need to have a Green Card or purchase insurance at the border).
Currently these are:
* Belarus, Albania, Moldavia, Andorra, Morocco, Bosnia-Herzegovina, Romania, Bulgaria, Tunisia, Former Yugoslav Republic of Macedonia, Turkey, Iran, Ukraine, Israel, Union State of Serbia and Montenegro (Kosovo, while regarded as a part of Serbia, is in effect under the control of the United Nations. Green Cards are not available for Kosovo and border car insurance must be purchased).
Accidents Abroad
If you are involved in an accident abroad, immediately contact your insurer or your insurer's representative in the country concerned. The Green Card gives details of the local Green Card Bureau, but it remains important to contact your car insurer or your insurer's representatives.
If the accident was caused by an uninsured or unidentifiable car, you are entitled under Community law to compensation from the motor vehicle guarantee fund of the Member State in which the accident occurred. This is in accordance with the rules in force in that Member State.
New rules have been introduced to ensure that motorists get rapid compensation for accidents regardless of where they are in the EU. This has made procedures easier and settling claims quicker, with fines being charged on late payments. This applies not only to accidents that happen in the EU but also to accidents between two EU parties in a country outside the EU but which belongs to the Green Card System.
Also known as the International Motor Insurance Certificate, this is an internationally recognised document (in countries in which the Green Card is valid) and acts as recognisable proof of third party car insurance in case of road accident while abroad
The Green Card or International Motor Insurance Certificate is equivalent to the national motor insurance certificates of all of the countries a motorist visits. It is an internationally recognised document that is accepted by the authorities of all countries in which the Green Card is valid.
The Green Card System is managed by the Council of Bureaux in London.
It is not essential to have a Green Card when travelling to the EU and certain other European countries (see the Association of British Insurers for details), though if you do not take one you should instead carry your Certificate of Insurance. However, a Green Card can serve as easily recognisable proof of third party insurance, for example in the case of an accident, when travelling abroad.
The Green Card itself doesn't provide insurance cover but does certify that you have at least the minimum compulsory Third Party insurance cover required by law in the countries you visit. However, if you also want insurance against other hazards, such as fire or theft abroad, the insurance company is entitled to demand a supplement if your cover is limited to the Member State in which you reside.
Where to get a Green Card
You can get your Green Card from the insurer who issued your motor insurance policy.
It is normally free of charge or there may be a small administrative fee.
Participating Countries
For visits by motorists to countries participating in the Green Card System the Green Card is not a required document since it is substituted by the national vehicle registration plates of those countries. These countries are the Member Countries of the European Union plus Andorra, Croatia, Iceland, Norway and Switzerland. It is still advisable to carry the Green Card when travelling abroad.
In Gibraltar, Monaco, Liechtenstein and San Marino, the same situation normally applies but it is advisable to check the cover carefully.
The national registration plates of the countries signify to the authorities of the country that your car is insured in respect only for Third Party liabilities for which insurance is compulsory. You are therefore urged to find out from your insurers:
* what, if any, insurance documentation is necessary for the countries you intend to visit;
* the extent of the cover provided by your own motor insurance policies for the countries you intend to visit;
* the procedure to be followed in the event of an accident in a visited country.
Other countries are party to the Green Card arrangements (you will either need to have a Green Card or purchase insurance at the border).
Currently these are:
* Belarus, Albania, Moldavia, Andorra, Morocco, Bosnia-Herzegovina, Romania, Bulgaria, Tunisia, Former Yugoslav Republic of Macedonia, Turkey, Iran, Ukraine, Israel, Union State of Serbia and Montenegro (Kosovo, while regarded as a part of Serbia, is in effect under the control of the United Nations. Green Cards are not available for Kosovo and border car insurance must be purchased).
Accidents Abroad
If you are involved in an accident abroad, immediately contact your insurer or your insurer's representative in the country concerned. The Green Card gives details of the local Green Card Bureau, but it remains important to contact your car insurer or your insurer's representatives.
If the accident was caused by an uninsured or unidentifiable car, you are entitled under Community law to compensation from the motor vehicle guarantee fund of the Member State in which the accident occurred. This is in accordance with the rules in force in that Member State.
New rules have been introduced to ensure that motorists get rapid compensation for accidents regardless of where they are in the EU. This has made procedures easier and settling claims quicker, with fines being charged on late payments. This applies not only to accidents that happen in the EU but also to accidents between two EU parties in a country outside the EU but which belongs to the Green Card System.
Black Country RSOC
Joined: Oct 2005
Posts: 2,282
Likes: 0
From: Stourbridge
If you have a green card, it constitutes european wide 3rd party insurance cover.
As far as im aware the clauses in the booklet therefore only refer to their comprehensive liability to you, and change nothing about thier 3rd party liability to the ring as covered by the green card.
Even the usually helpful Tony at Greenlight seems to be unwilling to give a definitive answer on the implications of the green card when it has been mentioned in the past.
I had a green card for my BMW, the ring got paid out by my insurers, not a definitive answer of course, but promising at least.
As far as im aware the clauses in the booklet therefore only refer to their comprehensive liability to you, and change nothing about thier 3rd party liability to the ring as covered by the green card.
Even the usually helpful Tony at Greenlight seems to be unwilling to give a definitive answer on the implications of the green card when it has been mentioned in the past.
I had a green card for my BMW, the ring got paid out by my insurers, not a definitive answer of course, but promising at least.
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Joined: May 2003
Posts: 20,599
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From: Ramsgate, Kent Drives: E39 530D Touring
what chips saying seems to make sense from a legal viewpoint.
my policy bookley does state in it that it specifically excludes the nurburgring, so im a bit worried about next year when i go back.
my policy bookley does state in it that it specifically excludes the nurburgring, so im a bit worried about next year when i go back.
They'll wriggle out of paying at the slightest excuse, so they're definitely NOT going to payout, regardless of the Green Card, if your policy excludes it.
Get separate cover if you're worried.
Too many posts.. I need a life!!
Joined: May 2003
Posts: 835
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From: Leicester
been in another thread about this recently, it seems you will be covered 3rd party by the insurance (as dictated by Eu law, though they don't like it) however the issue is they can potentially claim the costs back from you personally (i.e. sue you) for these amounts. On my policy is states they reserve the right to claim costs not usually incurred by a normal claim (or words to that effect) - this means if the German police force them to pay out for someones wrote off GT2 your blown headgasket has caused they could very likely come after you personally for the money.
though there are reports of successfull fully comp and armo damage claims, your on the back foot in this scenario IMO.
though there are reports of successfull fully comp and armo damage claims, your on the back foot in this scenario IMO.
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