Ring Insurance

[C. J.]

Have just got of the phone to gary and asked the question peeps
If your insured with kieth micheal with a highways policy then its £60.00 with a £2000.00 excess
Starts at midnight to midnight . This will cover every thing but you pick a bill up for up to £2000.00
Normal track ins is £1500.00 excess but you sign your life away so no personal claims hence the £500.. excess differents

[BIG"E"]

There are surely better deals than that around.


Just Google track day insurance.

[majorscooby]

Originally Posted by BIG E

There are surely better deals than that around.


Just Google track day insurance.

sounds like a plan as im not insured with gary!

[BIG"E"]

I have spoken to a chap that specialises in track day insurance,
and regularly covers trips to "The Ring"

He has said to me to get in contact with him, when I was able to give, details of :

1. Names
2. Reg numbers
3. Car values


Please PM me with your details and I will contact him, on behalf of anyone that wants insurance.

Obviously the rate will go down if we can get a group purchase.

[BIG"E"]

I have heard back from the insurance company,

They are now recalculating there quote.

[majorscooby]

Good stuff, interested to here how much

[simonairheadz]

the chances of having an off at the ring are high(unless your driving like miss daisey)
two of my freinds had incidents with other drivers so yoiu cant say "well i will drive carefully"
as one of the guys was doing 40mph at the time and got mullered into the wall by an M 3 EVO!
I really wouldnt ever take a car on track without good insurance,but £2000 exess damb!!!!!

Couldn't agree more.

That's my biggest fear, some other donut going for a hot one and taking me out!

I know for sure though he would be eating a drop of fist for it!

[simonairheadz]

also i think you.ll find,if your hit by another car you have to claim on YOUR insurance!!!!
which is why you get soooooooo many people on there with no track insurance at all!

Shocking isn't it. Glad we are going quite early in the "Season" then. Hopefully not too rammed.

[Mark83]

If you're driving during Touristenfahrten you need a minimum of 3rd party cover. I'm sure you're all aware that if you drop fluids or cause an accident you are liabile for all injuries and damage to other cars. It's only a trackday when the Nordschleife is privately hired.

Again mate, thanks for the information. You couldn't have timed joining any better for us!

[Mark83]

Originally Posted by worzel

Again mate, thanks for the information. You couldn't have timed joining any better for us!

Not a problem

When things go wrong on the Nordschleife, they can go very wrong. People thinking they're fine as they assume they have cover but they are not always correct and it's never safe to assume you're fine. Sometimes an insurance company pays out but then sets out to recover their loses from you personally, it's called subrogation. It's come up a lot with regards to claims on the Nurburging Nordschleife during Touristenfahrten. Potentially you could lose everything if the claim is big enough i.e. disable a motorcyclist/ take out a Veyron etc.

I hope I haven't put you off

[BIG"E"]

Originally Posted by Mark83

If you're driving during Touristenfahrten you need a minimum of 3rd party cover. I'm sure you're all aware that if you drop fluids or cause an accident you are liabile for all injuries and damage to other cars. It's only a trackday when the Nordschleife is privately hired.

Perhaps you could meet up with us, when we get over there??


I am thinking of buying a TANK.

[Mark83]

My office is 400 metres from the Nordschleife entrance, you're welcome to pop in for a brew (bring a big box of PG Tips, I'm fed up with German tea) although I will warn you now I'll probably try and sell you car hire/evening trackwalk

Remind us nearer the time about the PG tips and I'll make sure we bring you some.

[Mark83]

Just a quick bump after the events of Sunday. I said when things go wrong they go very wrong, now it happened to someone I know quite well.

A guy I know had a BIG accident on Sunday caused by a fault on his car (only 6 months old, probably manufacturing fault). 100+mph spin into the metal barriers, bikers went down on his fluid, track damaged and closed, people taken by ambulance to hospital. Police assigned blame to him so is liable for everything.

Make sure you have appropriate insurance, not just for your car but medical too as their bills were very expensive!!

[BIG"E"]

Originally Posted by Mark83

Just a quick bump after the events of Sunday. I said when things go wrong they go very wrong, now it happened to someone I know quite well.

A guy I know had a BIG accident on Sunday caused by a fault on his car (only 6 months old, probably manufacturing fault). 100+mph spin into the metal barriers, bikers went down on his fluid, track damaged and closed, people taken by ambulance to hospital. Police assigned blame to him so is liable for everything.

Make sure you have appropriate insurance, not just for your car but medical too as their bills were very expensive!!

Mark what insurance do you have?

How much, and where from??

[Scott.T]

EHIC are free for NHS covewr and travel insurance for the weekend is under £5 from moneysupermarket.com

[Mark83]

Originally Posted by SilverSurfer

EHIC are free for NHS covewr and travel insurance for the weekend is under £5 from moneysupermarket.com

Yes, make sure you have your EHIC with you and travel insurance. Ambulance and x-rays came to over £2000.

Originally Posted by Mark83

Yes, make sure you have your EHIC with you and travel insurance. Ambulance and x-rays came to over £2000.

Don't panic captain Mainwaring, don't panic don't panic!!!!!

[doobydave]

So what's the consensus of opinion regarding this infernal insurance problem?

A google shopping search for "3rd party nordschleife insurance" yields no results. What's a UK based person to do?


I know I'm not due to go out with you lot, but I am renewing my insurance atm and was thinking about this issue again.

I know Keith Michaels were happy to take £60/day from me when I was insured through them (with 'highway', so I'm guessing the extended liability was theirs too). Does anybody know if they will offer 3rd party nords cover if not insured through them?

Also, can anybody point me to a company who doesn't try to exclude the nordschleife?

[Mark83]

Originally Posted by doobydave

So what's the consensus of opinion regarding this infernal insurance problem?

A google shopping search for "3rd party nordschleife insurance" yields no results. What's a UK based person to do?


I know I'm not due to go out with you lot, but I am renewing my insurance atm and was thinking about this issue again.

I know Keith Michaels were happy to take £60/day from me when I was insured through them (with 'highway', so I'm guessing the extended liability was theirs too). Does anybody know if they will offer 3rd party nords cover if not insured through them?

Also, can anybody point me to a company who doesn't try to exclude the nordschleife?

Highway did not cover Touristenfahrten (public driving) a couple of years ago, not sure why they would start now.

Was this cover for a trackday or TF? There's a big difference, i.e. the important 3rd party part.

[doobydave]

Was this cover for a trackday or TF? There's a big difference, i.e. the important 3rd party part.

For TF.

Not entirely sure if the extended cover was definitely offered through Highway - was just assuming as if it was offered by a different company wouldn't that mean you were insured 3rd party by both? One who would seek to claim it back (Highway in this instance) and the new one?

Maybe they just take my money and gamble on me not crashing.....

[Mark83]

Originally Posted by doobydave

For TF.

Not entirely sure if the extended cover was definitely offered through Highway - was just assuming as if it was offered by a different company wouldn't that mean you were insured 3rd party by both? One who would seek to claim it back (Highway in this instance) and the new one?

Maybe they just take my money and gamble on me not crashing.....

I hear conflicting stories from Keith Michaels. When I spoke to Gary he said they wouldn't cover me on the Nordschleife. Maybe my age, being 25? But I would imagine with maybe 400 laps under my belt, I have more track knowledge than the average driver going over for a few laps.

If I wasn't insured and bent my car, well I'd have to swallow that but at least it's owned outright. It's the 3rd party part that is the issue. A mate of mine had a big accident a couple of weeks ago resulting in 2 bikers crashing into the armco on his oil, therefore he's liable for their injuries and damages (on top of track damage and circuit closure).

[simonairheadz]

its looking like a "you takes yer chances "situation

Got my breakdown cover sorted yesterday with Direct Line.

Then called Morris to arrange ring insurance, because thier website is down for re-vamping, they are not doing any cover at the moment for the ring, not even over the phone! Aaaaarrrrrgggggghhhhhhhhh!!!

Got another company to call from Gary Moulson, so fingers crossed!

[Scott.T]

Got my cover note from Keith Micheals today, managed to negotiate with Gary that it runs from 12:00pm Saturday to 12:00pm Sunday.
Cost me £60