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Author Ring insurance

Registered: 30th Jun 03
User status: Offline
2nd Jun 12 at 22:08   View User's Profile U2U Member Reply With Quote

Wouldn't fancy my chances arguing against them in court.
Organiser: South East, National Events
Premium Member


Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
3rd Jun 12 at 07:43   View Garage View User's Profile U2U Member Reply With Quote


In 2010, the UK Insurance Ombudsman made a final decision regarding a case concerning the Nurburgring Nordschleife. He found that the Nordschleife is a circuit with all the characteristics of a 'prepared course'. The insured's policy excluded use on a 'prepared course' which was held to be neither unfair or unreasonable given the increased risks associated with driving in such places. The insurer agreed to meet any third party liabilities but this did not mean that the driver was driving within the terms and conditions of his policy. The Ombudsman said that UK and European law requires insurers to provide a minimum of third party only cover even if their policyholders are using the insured vehicle in a manner which invalidates their own-damage cover. The German High Court has ruled that an insurer cannot escape third party liability during Touristenfahrten at Hockenheim. The same principle applies to the Nordschliefe.

Registered: 9th Nov 11
User status: Offline
22nd Jun 12 at 16:14   View User's Profile U2U Member Reply With Quote

On face value that does read fantastic, but still feel uncomfortable about actually taking that risk and ever having to proove the above in order that 3rd party cover was enforced. There is that niggle still of being counter sued by the insurer for their costs.

If it did hold water it would mean only taking out the additional insurance for the risks you want to cover such as own car and damage to the road.

However checking this page and my policy wording again I am stuffed and that ruling above does not help me.

I never got a reply from the German insurance company about buying cover.

[Edited on 22-06-2012 by happy-kat]

[Edited on 22-06-2012 by happy-kat]

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