There seems to be an endless amount of contradiction where ever you look into this. I personally would not want to risk not having it in place.

It needs Nurburgring as a corporation to state publicly exactly what the ring is. Is it a race track or is it a public road. I was talking with James earlier and as he rightly said, if you go to Brands (or Any Other) you have track insurance for the time you spend on track and then your normal everyday insurance kicks in the second you go out of the gates. It is that black and white, and it should be the same at the ring IMHO.