19 replies to this topic

[jameso]

Roughly what to pay and where from? Any clauses to watch out for?

[TheStotts]

Planning a stay at Her Majesty's pleasure?

[JimmyJamJerusalem]

Planning a stay at Her Majesty's pleasure?

Ouch!!

[jameso]

maybe a call to CCI would be more useful lol

[techieboy]

MORIS were the only people that I knew were offering PAYG style 'ring cover. Read something the other day that said they weren't currently doing any trackday cover but I understand that was down to some admin issue. Worth a call.

[JimmyJamJerusalem]

maybe a call to CCI would be more useful lol

BaT do 'exclusive' days that CCI will cover

[jameso]

Cheers guys, that's more useful...

[VIX]

Search? http://www.vx220.org..._1#entry1072674

[SteveA]

BaT do 'exclusive' days that CCI will cover

When I spoke to CCI they said they will only cover the GP circuit and the Nordschlife is a no no.

I've always had insurance through Morris, it's about £70 per day but only covers 1st party so will not pay for Armco, recovery or other cars. If you want Armco and recovery, ADAC do a decent deal that's worth looking at. It's virtually imposible to get 3rd party insurance on a UK registered car but if you find some let us know.

[vx220chick]

BaT do 'exclusive' days that CCI will cover

When I spoke to CCI they said they will only cover the GP circuit and the Nordschlife is a no no.

I've always had insurance through Morris, it's about £70 per day but only covers 1st party so will not pay for Armco, recovery or other cars. If you want Armco and recovery, ADAC do a decent deal that's worth looking at. It's virtually imposible to get 3rd party insurance on a UK registered car but if you find some let us know.

I think they (insurers) only cover the nordschlife if its a private day (ie one that is run by a TDO not a public day)
We got insured on a BaT trackday on the ring with Richard Egger, but cant remember the price, sorry

[jonnyboy]

Dont get any. I never have. It sharpens your mind up and when you consider the excess for any claim is likely to be 5k upwards its a calculated risk that should be just about acceptable. Makes it that bit more exciting too.

Edited by jonnyboy, 01 May 2011 - 07:25 PM.

[vx220chick]

Dont get any. I never have.

It sharpens your mind up and when you consider the excess for any claim is likely to be 5k upwards its a calculated risk that should be just about acceptable.

Makes it that bit more exciting too.

slightly maveric attitude, as many accidents are not your own fault.
an example i saw on the private 'ring trackday was scary and expensive. A porshe flew by me quickly followed a few secs later by a ferrari. next thing the yellow flags were out as well as a slippery flag. what happened was the porshes engine let go into a corner, threw its oil all over the track and the ferrari span out hit barriers on one side and span back accross the track into more barriers. it was completely written off. I managed to scrub off all my speed and crawled past the carnage picking my way past the oil and debris. This is one of those times where luck was with me but not the poor ferarri.
i would never rely on luck to avoid an accident - hence i insure on big trackdays like this.

where do you work out that the exccess is 5k upwards? its usually 10% the value of the car or the value that you choose to insure. eg. you can choose to insure 10k value on a 15k car if you like, and they will only pay out up to 10k with a 1k excess.

[jonnyboy]

It's not maverick its just the conclusion I have come to is that the money it costs you to insure and your excess (admittedly I last looked at this about 3/4 years ago so more players might have come into the market) its not worth it. Insurance is inherently not worth the money you pay for it otherwise insurance companies would be charities. I would not do an organised trackday either. Its playing it too safe. The Nurburgring is supposed to be dangerous and exhilarating. If you start taking steps to mitigate the danger and exhilaration theres little point going. On a private trackday theres even less point having insurance as you wont see another car all day out on the track. IMO its a waste of time doing anything other than a busy hair raising public session. Thats what its all about! If you have an accident thats not your fault then you are automatically covered by the other cars third party cover. Obviously theres no accounting for mechanical failures resulting in you being the unfortunate one thats done the coolant spilling but I would be very wary of taking a car on there that isnt totally sound mechanically and preferably fairly standard ie minimising your risk by running all the cars components in durability tested trim. I've been three times including in a 20k BMW. The thought of insurance only crossed my mind when people were surprised I hadnt got any. In many ways the 'rings reputation precedes it which is a good thing but to be quite honest if you approach it with the respect it deserves and dont do out there thinking your a racing driver you will be totally fine.

Edited by jonnyboy, 02 May 2011 - 10:33 AM.

[VIX]

If you have an accident thats not your fault then you are automatically covered by the other cars third party cover.

That assumes they have insurance. You've just said you don't bother. Or am I missing something?

[slindborg]

This may need a call to relevant insurers, but Even if the insurer claims to NOT cover the ring but covers Europoe road then you ARE 3rd party covered.... Just not 1st party. Which is kinda fair and pretty much how most trackday insurance works anyway

[techieboy]

pretty much how most trackday insurance works anyway

Trackday insurance doesn't cover 3rd parties, it only covers damage to your own car. The disclaimers you sign at the track make sure taking your car onto a track is at your risk and nobody elses.

[slindborg]

pretty much how most trackday insurance works anyway

Trackday insurance doesn't cover 3rd parties, it only covers damage to your own car. The disclaimers you sign at the track make sure taking your car onto a track is at your risk and nobody elses.

Ahh cool, well ish

[jonnyboy]

This may need a call to relevant insurers, but Even if the insurer claims to NOT cover the ring but covers Europoe road then you ARE 3rd party covered.... Just not 1st party. Which is kinda fair and pretty much how most trackday insurance works anyway

Yup. On a public day you would assume e retune has insurance as you certainly have to be in a car with plates etc. You are always 3rd party covered however weather your insurance company would settle and the sue you to recover the cost is another matter.

The bottom line really is just don't crash. 99% of ring crashes are just unprepared novices or just single car driver error accidents. Quite easy to mitigate those risks.

[RobNA]

The bottom line really is just don't crash. 99% of ring crashes are just unprepared novices or just single car driver error accidents. Quite easy to mitigate those risks.

Where did you do your research to find those stats?

[jonnyboy]

Totally unscientific guess. I did spend a lot of time immersing myself into knowing the dangers before I went out there though and having done a few trips and taking a close interest in any off you see or hear about the vast majority of accidents are just single cars overcooking it and coming a cropper or riding kerbs playing race drivers and being spat off that way. The couple of accidents I've personally witnessed have both been tank slappers over corrected into the barriers. At the end of the day if you arent totally confident in your own driving ability or dont trust yourself to drive sensibly then definitely get insurance. If your happy to take on board the risks and are a confident (not necessarily quick) track driver then I think you can take an informed decision not to bother.