I don’t deal with insurance matters on a day to day basis, so definitely
speak to the quotes team if you want to get the lowdown on any of this.

We know that a lot of customers are interested in this, and Flux do try to
help, even if it means giving you details of another company, and if we hear
about new services we do pass them on to customers who might benefit.

2009/11/23 Disqus <>

When i went across in April and July this year i was told on both occasions, after lengthy phone calls, that there was categorically no insurance company on the Adrian Flux books that would provide me with 3rd party insurance on the Nurburgring on even a temporary basis and regardless of cost — so i certainly hope things have changed

Again, many thanks for your time to reply to these questions, and brilliant article =D

I hope my reply to Andy answers your points to some degree.

I agree it is frustrating that there isn’t a standard line from the insurers
on this, and it can be hard to know where you stand, but the Nurburgring is
an exceptional case by any measure.

Obviously, the insurance companies decide their own policy wordings and how
they choose to apply them. Some choose to exclude the Nordschleife, but
others don’t.

As I mentioned, above, there have been cases where the insurance company has
paid out on a third party claim and then attempted to recover their costs
from their customer. Currently the Ombudsman has supported the insurers
arguments, although this is still subject to appeal.

I’m afraid we shall probably see court cases before long, but I am not as
confident as you that a judgement would be in favour of the consumer.

If you’re planning to go to the ‘Ring, give the Flux quotes line and discuss
your situation — the last thing anyone wants is a major accident without
adequate cover in place.

Cheers,
David

2009/11/21 Disqus <>

I can’t comment on the products offered by other companies, unfortunately,
there are a couple of names that the quotes staff will be able to recommend
to you if you give Adrian Flux a call.

Adrian Flux is a broker, and as such, the exclusions will vary depending on
which insurer you are with. Some policies exclude it (often using wording
such as ‘de-restricted toll roads’) and others don’t.

All insurance policies are required by law to pay for Third Party losses
caused by the insured party. This is enshrined in the Road Traffic Act, BUT,
and this is a massive but, you cannot assume that means you are covered.
Many policies (and I am talking generally) contain a clause saying something
to the effect that “If XYZ insurer is obligated to meet a claim it would
otherwise not pay, then XYZ insurance co may reclaim the settlement costs
from the insured.” This clause covers the insurance company on a number of
fronts, including where the insured party has obtained cover under false
pretences. But some insurance companies are also applying this clause to
claims from the ‘Ring, and the Ombudsman has so far come down on their side.

Taking all this into account, it is essential that you make sure you have
adequate cover in place, and obtain day cover for your Touristenfahrten
sessions.

As I said, Adrian Flux can give you advice on this and recommend a couple of
companies, depending on your situation, so please do ask our quotes team if
you need to (and they all know a lot more about this than I do!)

Cheers,
David

2009/11/21 Disqus <>

Unlike EVERY other EU nation. It seems that 99.99% of UK insurers believe that they can “opt out” of thier EU wide Legal obligation to cover 3rd parties. They believe that by stating “not for use on a race track” that this exempts them. This is not the case legally. Especially as it would rule out driving the Isle Of Man TT circuit at a time when it was not being used for the races. Or more ridiculously driving parts of Monaco’s F1 track.

What would be ideal, would be if Insurance companies would agree to cover 3rd parties at the Nurburgring. I believe many enthusiasts would accept that crashing there would be at their loss. But if that same driver had an accident involving a serious injury the consequneces don’t bear thinking about.

However, I fear it’s going to take a major accident by a UK driver, and an insurance company refusing to cover the costs. Followed by a test case in the courts to enforce that insurers provide the correct level of cover.

Maybe Adrian Flux would like to comment below on their opinions and plans for the future.

Thank you for your reply. Can you confirm that these insurers offer 3rd party liability insurance, which is the biggest concern if you were to have an accident on the Nurburgring, rather than just first party cover for your own car?

Also, can you comment on why your policies exclude any cover of the Nurburgring, even during the infamous touristenfahrten sessions when it is considered a public toll road by the local authorities?

UK insurance policies have a legal requirement to provide the minimum cover required by law in other EU countries, or the minimum cover required by UK law if that is greater.

Should this infact not mean that your car is covered for 3rd party liability as standard if driving round the Nurburgring during a touristenfahrten session?

The Nurburgring really is pretty special though, anyone who is into their cars or motorsport needs to go, at least once in their lifetime.

Andy

Most UK insurers are reluctant to offer comprehensive cover on the Ring,
however we are able to recommend a couple of companies who offer very
reasonable cover on a single day basis, and which, I believe, you can even
buy on your way into the Nordschleife. The Flux quotes team have the details
- you can call them on 0800 089 0050,

David

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