the ring, insurance questions
Discussion
hey guys,
im going to the ring on the 16th october, and im just wondering who are the best specialists to talk to for insurance? any ideas?
i will only be on it for one day, any ideas on the usual sort of quote for a day at the ring or the equivalent? anyone gone with a cayman??
also has anyone done it through their current insurer rather then going to a specialist?
thanks!
im going to the ring on the 16th october, and im just wondering who are the best specialists to talk to for insurance? any ideas?
i will only be on it for one day, any ideas on the usual sort of quote for a day at the ring or the equivalent? anyone gone with a cayman??
also has anyone done it through their current insurer rather then going to a specialist?
thanks!
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
But hey, it's not all bad! Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Simple answer is all the above is true, of course. But drive your car like you have your son/daughter/girlfriend on board and remember that unless you are covered by a large wallet toting sugar daddy, it's a game of roulette and all your life is on black. The more you are a nutter the more likely red is going to come in. Keep a level head and you can sport a 'Ring badge with pride.
y2blade said:
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
You can get the odd basic policy for damage to the track or you can get track day cover for a closed track session but that doesn't cover TF days.
This is one the reasons the rental option is popular but even then, you have excess' of 8000euros for a Megane for example so it can still go very wrong financially.
ALY77 said:
y2blade said:
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
You can get the odd basic policy for damage to the track or you can get track day cover for a closed track session but that doesn't cover TF days.
This is one the reasons the rental option is popular but even then, you have excess' of 8000euros for a Megane for example so it can still go very wrong financially.
ALY77 said:
To save you four or five hours of your life the crux of the matter is this;
Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
Someone should sticky this to save hours and hours of arguing.Touristfahren - You aren't insured & you can't get insurance.
If you crash, the owners of the ring and anyone you injure can pursue your insurers who will have to pay under european law. But since they say they wont cover you there (whether its clear or not on your policy documents) then they will in turn come after you for the money they pay out.
If its a barrier belonging the track you bend then you're fixing the barrier and your car.
If you drop fluid and eight German bank officials on 100k euros a year, with families to support slide on your oil say, in to barriers from their R1's and all end up cripples, then you are paying for eight bikes, a barrier, eight medivac airlifts and the 24 hour care for eight of them for the rest of their lives.
This. 1000%.
If you go to the Ring, you're gambling with everything you own now, and every penny you'll ever earn.
Edited by Soovy on Thursday 30th September 13:51
You could buy a german house then a german car registered to your house and a normal german insurance policy. TF to them is a normal road so cover as if you were on an autobahn!
There is an owners club preffered insurer that will insure owners of a certain make of car for club members but its nothing mainstream & I forget the details at the momement.
If you are british joe public then you have no cover is the bottom line. You can behave accordingly but you run the risk of being collected by someone else's screw up or having mechanical problems that lead to bigger things.
There is an owners club preffered insurer that will insure owners of a certain make of car for club members but its nothing mainstream & I forget the details at the momement.
If you are british joe public then you have no cover is the bottom line. You can behave accordingly but you run the risk of being collected by someone else's screw up or having mechanical problems that lead to bigger things.
ALY77 said:
You could buy a german house then a german car registered to your house and a normal german insurance policy. TF to them is a normal road so cover as if you were on an autobahn!
There is an owners club preffered insurer that will insure owners of a certain make of car for club members but its nothing mainstream & I forget the details at the momement.
If you are british joe public then you have no cover is the bottom line. You can behave accordingly but you run the risk of being collected by someone else's screw up or having mechanical problems that lead to bigger things.
The mecahnical thing scares me. There have been indeicents of GT3 dropping coolant, and bikers being hurt. The GT3 driver was on the hook.There is an owners club preffered insurer that will insure owners of a certain make of car for club members but its nothing mainstream & I forget the details at the momement.
If you are british joe public then you have no cover is the bottom line. You can behave accordingly but you run the risk of being collected by someone else's screw up or having mechanical problems that lead to bigger things.
y2blade said:
I'm planning on doing my first ring trip next summer, so that info is food for thought (I didn't realise there was NO WAY of getting TF cover)
Rent. Rent. And finally Rent. And not from Hertz! But from RSR or Ring Rentals etc. There's plenty of choices and reasons to rent, and very few reasons to drive your own car.tomvcarter said:
what about this?:
http://www.nurburgmotorsport.com/Insurance.html
Covers damage to the track, and 30k (laugh) for deaths......http://www.nurburgmotorsport.com/Insurance.html
tomvcarter said:
what about this?:
http://www.nurburgmotorsport.com/Insurance.html
10,000 Euros of cover for the track furniture. For 8 laps on one day.http://www.nurburgmotorsport.com/Insurance.html
It doesn't cover you for a.n.other drivers costs. Just for the damage you did to the circuit or to yourself I think.
Put it another way. If you write off the Zakspeed viper by dropping fluids and the driver gets a sore leg and can't do his job for a bit. I see no numbers on that policy that will cover your costs?
agtlaw said:
ALY77 said:
Touristfahren - You aren't insured & you can't get insurance.
ALY77 said:
There is an owners club preferred insurer that will insure owners ...
that's cleared that up then.I'll hazard a guess that our initial enquirer isn't in said club, won't be able to get in to it and my first statement you quote is true. As is the latter you've taken a section from.
Munter said:
y2blade said:
I'm planning on doing my first ring trip next summer, so that info is food for thought (I didn't realise there was NO WAY of getting TF cover)
Rent. Rent. And finally Rent. And not from Hertz! But from RSR or Ring Rentals etc. There's plenty of choices and reasons to rent, and very few reasons to drive your own car.Gassing Station | Track Days | Top of Page | What's New | My Stuff