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Discussion in 'Track Days & Track Driving' started by brooksi23, Nov 5, 2013.

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Nov 5, 2013 #1

brooksi23

Hi all, I went to the ring for the first time it's the furthest by far that I have taken the megane and she was awesome!

the weather was dreadful, but it was great to finally do the track I have dreamed about doing for so long, I barely got any pics myself as my window wipers were on full speed at all times, but I found this on ring-photos.com
Nov 5, 2013 #2

chris

Looks awesome. Can't wait to go next year!
Nov 5, 2013 #3

brooksi23

it was, i'm so glad I did it and fully recommend it to anyone, I am already planning my next trip
Nov 5, 2013 #4

-Jamie- RSM Moderator

Nice, brave going round in the wet on your first time, especially in a UK car without proper insurance
Nov 6, 2013 #5

nutnutwelshman

Brave and glad you enjoyed it I did it for my first time this year as well and Spa on the way too got the car on the Wednesday drove out and had a Ball
Nov 6, 2013 #6

brooksi23

-Jamie- said: ↑

Nice, brave going round in the wet on your first time, especially in a UK car without proper insurance
Click to expand...

I did have insurance, through insuremytrackday.com £160 for the day, covered my car up to it's value and £2000 worth of armco
Nov 6, 2013 #7

-Jamie- RSM Moderator

On TF? Highly doubt you had proper 3rd party cover, which is what you want/need. No one covers TF properly for UK cars, well there's a couple but good luck trying to find out who. It's all hush hush LOL
Nov 6, 2013 #8

brooksi23

I told them where I was going, they told me that I would be covered for up to £4000 for my car no matter who was at fault, I bought it online after speaking with them
Nov 6, 2013 #9

-Jamie- RSM Moderator

Sounds like they were having you on, No UK insurer will cover you properly for TF, unless you told them you were doing a trackday? Which would of invalidated it anyway
Nov 6, 2013 #10

-Jamie- RSM Moderator

Anyway, it's not cover for my own car I would be worried about, it's 3rd party so when Mr GT3 RS comes along and writes his car off cause of your accident/fluids etc then can't work for x amount of months your own company will pay out instead of chasing you for the hundreds of thousands at worst case.....
Nov 7, 2013 #11

-Jamie- RSM Moderator

Not trying to put you off or anything but the amount of UK drivers that dont actually know or realise this fact is scary
Nov 7, 2013 #12

Joeh

-Jamie- said: ↑

Sounds like they were having you on, No UK insurer will cover you properly for TF, unless you told them you were doing a trackday? Which would of invalidated it anyway
Click to expand...

Have you ever dived in a swimming pool? Done 33 in a 30? Had your wheels powder coated and not told your insurance?
Stop giving the guy a hard time, people do it at their own risk and they are well aware of that. This guy had more insurance than most
enjoy life a little
wear a t shirt in the cold :0
Nov 7, 2013 #13

RedSquareImages

brooksi23 said: ↑

I did have insurance, through insuremytrackday.com £160 for the day, covered my car up to it's value and £2000 worth of armco
Click to expand...

OOOH I would LOVE to see the policy. Public days are uninsurable so I presume this was an ATDO track day you attended?
Nov 7, 2013 #14

RedSquareImages

Joeh said: ↑

Have you ever dived in a swimming pool? Done 33 in a 30? Had your wheels powder coated and not told your insurance?
Stop giving the guy a hard time, people do it at their own risk and they are well aware of that. This guy had more insurance than most
enjoy life a little
wear a t shirt in the cold :0
Click to expand...

More insurance than most that was (if it was a TF day) useless and a waste of his £160 quid. I think thats what Jamie is trying to say...
Nov 7, 2013 #15

RedSquareImages

Well Well...

Do you cover damage to the Armco barriers at Nuburgring Nordschleife, as I understand I am liable for repair/replacement costs?

Yes you are indeed liable for damage caused to Armco barriers at “The Ring”. Our track day insurance policy for Nurburgring Nordschliefe automatically includes cover for up to £2,000 of costs for the Armco truck attendance plus removal and replacement of Armco. There is an option on the quote request form to increase this sum insured to £4,000 for an additional premium. In order to verify the claim you will need to provide a copy of the invoice from Nurburgring and you will be reimbursed for the costs.
Click to expand...

They did insure you, just not the vital bit at the ring: someone else. This is where the bills lie.
Nov 7, 2013 #16

-Jamie- RSM Moderator

Thank you, at least someone else actually knows what they are on about and what cover you actually need
Nov 7, 2013 #17

-Jamie- RSM Moderator

Trackday insurance, so not actually cover for TF, that was a waste then......
Nov 7, 2013 #18

Ben_r1

Important thing is chap drove sensibly and didn't need the insurance, we can't all have law degrees on all things nurburgring, motorsport and vehicle tuning now.

I was there earlier this year for the first time in my 172 and thought it every bit lived up to the hype. I drove down South after through Switzerland and to stelvios for pizza, fantastic road trip!
Nov 7, 2013 #19

Naith RSM Admin

Did you buy the picture in the first post OP?

Be nice to use on the site and in other places
Nov 7, 2013 #20

brooksi23

okay, so i'm now confused!? below I have copied and pasted a part of the insurance details I was sent, was I not covered? and why? I was lead to believe that I would be when I rang them

SCHEDULE OF INSURANCE

[TABLE="class: TableGrid, width: 459"]
[TR]
[TD="width: 159, bgcolor: transparent"] TYPE:
[/TD]
[TD="width: 454, bgcolor: transparent"] On Track Accidental Damage
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] FORM:
[/TD]
[TD="width: 454, bgcolor: transparent"] As per wording agreed by underwriters
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] POLICY NO:
[/TD]
[TD="width: 454, bgcolor: transparent"]
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] DATE OF TRACK DAY:
[/TD]
[TD="width: 454, bgcolor: transparent"] Saturday, 02 November 2013 Afternoon Sessions Only
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] CIRCUIT:
[/TD]
[TD="width: 454, bgcolor: transparent"] Nurburgring Nordschleife
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] INSURED:
[/TD]
[TD="width: 454, bgcolor: transparent"] Mr Tom Brookes
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] ADDRESS:
[/TD]
[TD="width: 454, bgcolor: transparent"]
Rugby
Warwickshire

United Kingdom
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] DRIVER(S):
[/TD]
[TD="width: 454, bgcolor: transparent"] Tom Brookes
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] ADDITIONAL OPTIONS:
[/TD]
[TD="width: 454, bgcolor: transparent"] Standard Armco damage cover up to £2,000
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] CAR INSURED:
[/TD]
[TD="width: 454, bgcolor: transparent"] Renault Megane Sport 225 (PF05 PKA)
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] SUM INSURED:
[/TD]
[TD="width: 454, bgcolor: transparent"] GBP 4,000 each and every loss.
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] EXCESS:
[/TD]
[TD="width: 454, bgcolor: transparent"] GBP 400 each and every loss.
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] MAX PAYOUT:
[/TD]
[TD="width: 454, bgcolor: transparent"] GBP 3,600 each and every loss.
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] CONDITIONS:
[/TD]
[TD="width: 454, bgcolor: transparent"] Including accident (impact) damage to the external parts of the engine and gearbox.
Including VAT costs.
Excluding mechanical breakdown / derangement how so ever caused.
Fire damage covered following accident (impact damage) only.
Excluding competitive driving i.e. racing / timed runs or trials.
Including labour costs.
Excluding consumable items (Tyres / oils etc.) Otherwise as per policy wording attached.
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] WARRANTY:
[/TD]
[TD="width: 454, bgcolor: transparent"] In the event of a claim the "On Track Claims Procedure" must be followed at all times.
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] PREMIUM:
[/TD]
[TD="width: 454, bgcolor: transparent"] GBP 162.50 Including insurance premium tax @ 6% and administration fee of GBP15.00
Exclusive of any credit card charges - refer to invoice
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] INFORMATION:
[/TD]
[TD="width: 454, bgcolor: transparent"] Total value of the vehicle - GBP 4,000
Cover provided for track day at Nurburgring Nordschleife
[/TD]
[/TR]
[TR]
[TD="width: 159, bgcolor: transparent"] UNDERWRITTEN BY:
[/TD]
[TD="width: 454, bgcolor: transparent"] 100% Hiscox Underwriting Ltd on behalf of Hiscox Insurance Company Ltd.
[/TD]
[/TR]
[/TABLE]

Hiscox, 1 Great St Helen’s,London EC3A 6HX, United Kingdom.
www.InsureMyTrackday.com

[h=1]9 St. Clare Street, London, EC3N 1LQ[/h][h=1]TEL: +44 (0)1799 510880 EMAIL:info@insuremytrackday.com[/h]
Insure My Trackday is atrading name of Ryan Motorsport Insurance Limited
Ryan Motorsport InsuranceLimited is a company registered in England and Wales under company registrationnumber 7711810 and whose registered address is listed above
RyanMotorsport Insurance Limited is an appointed representative (557405) ofIndependent Broking Solutions Limited who are authorised
Nov 7, 2013 #21

brooksi23

Naith said: ↑

Did you buy the picture in the first post OP?

Be nice to use on the site and in other places
Click to expand...

I haven't yet, but I will be doing, probs when i'm not stuck at work, will drop you a message when I have mate
Nov 7, 2013 #22

mattyw

basically if you went there and spanked a porsche at 100k you'd have a bit of trouble

that said the porsche owner strictly speaking has no right of recovery on track, whether there is an RTA obligation for Hiscox to satisfy any claims as last insurer i'm unsure, would have to read the policy wording but basically say you binned it into the armco and it cost £20k you will have to pay £17.5k yourself!
Nov 7, 2013 #23

-Jamie- RSM Moderator

That looks like track day cover mate, Was it a proper track day or just public driving?

If the latter then i would be asking for a refund/complaining to them as they have mis sold that to you on the assumption that you were doing a proper closed track day
Nov 7, 2013 #24

RedSquareImages

mattyw said: ↑

basically if you went there and spanked a porsche at 100k you'd have a bit of trouble

that said the porsche owner strictly speaking has no right of recovery on track, whether there is an RTA obligation for Hiscox to satisfy any claims as last insurer i'm unsure
Click to expand...

Actually under german law at the Nordshleife - He has. I know someone who suffered EXACTLY in this manner. German registered vehicles generally are only required to have 3rd party insurance. And as such they can (and have) successfully claimed against UK vehicles.
Nov 7, 2013 #25

brooksi23

-Jamie- said: ↑

That looks like track day cover mate, Was it a proper track day or just public driving?

If the latter then i would be asking for a refund/complaining to them as they have mis sold that to you on the assumption that you were doing a proper closed track day
Click to expand...

yeah it was just a public day, so I basically wouldn't of been covered if anything happened??
Nov 7, 2013 #26

-Jamie- RSM Moderator

Pretty much I'm afraid.

By EU law though your company has to cover the 3rd party but then your company will counter sue and chase you for the money, it's scary how much money you can owe as stuff goes wrong very quickly hence trackdays are the way forward unless you tuv your own car and get German insurance but that is mental money, even worse than UK insurance prices!
Nov 7, 2013 #27

brooksi23

well that's pissed me off, maybe I should of looked into it more I suppose... you reckon its worth giving them a call? will I get anywhere with getting that £160 back?
Nov 7, 2013 #28

-Jamie- RSM Moderator

Could always give it a try, they can only say no
Nov 8, 2013 #29

Dan

I know someone who had a bad off on the 'Ring and his bill was just over 150,000 (euros)

Best thing to do when at the 'Ring is drive it as a fast B road.
Nov 8, 2013 #30

Ash87 RSM Moderator

It hammered down when i went round a year or two ago, still a massive buzz to drive what you had seen on film n pictures so much before though.
Nov 9, 2013 #31

Ben_r1

Dan said: ↑

I know someone who had a bad off on the 'Ring and his bill was just over 150,000 (euros)

Best thing to do when at the 'Ring is drive it as a fast B road.
Click to expand...

This is the best attitude to drive the ring, driving it like a track is insanity.
Nov 9, 2013 #32

brooksi23

well I'm annoyed as I wrongly thought I would be covered, but I look at it this way, the fact that I thought I would be covered made me let my hair down abit and I put my foot down and pushed myself. I thoroughly enjoyed it and it still brings a smile to my face when I think about it. if I knew I wasn't insured maybe I would of driven it like a B road. It's not going to stop me from going again, I was fortunate that nothing happened, next time I'll save myself £160
Nov 9, 2013 #33

Jones

Ben_r1 said: ↑

This is the best attitude to drive the ring, driving it like a track is insanity.
Click to expand...

u been to the ring then ben?
Nov 9, 2013 #34

nutnutwelshman

As I said before I've been it was my 3rd time on a track what gets me is the speed differences between cars and vans bikes
Nov 9, 2013 #35

Ben_r1

Ben_r1 said: ↑

I was there earlier this year for the first time in my 172 and thought it every bit lived up to the hype. I drove down South after through Switzerland and to stelvios for pizza, fantastic road trip!
Click to expand...

Jones said: ↑

u been to the ring then ben?
Click to expand...
Nov 12, 2013 #36

bluediamond

Well done mate, you not only survived the ring, you also survived the wet

I couldn't bring myself to try a wet lap this year after watching my mate spin his exige into kallenhard (sp?) at walking pace!
Nov 12, 2013 #37

Dan

I will be arranging a 'Ring trip next year if there is enough interest..

I have a friend who owns a nice hotel out there that will do us a very good rate, plus she knows all the viewing spots and has a garage on site for any repairs!

Will start a topic early next year to see who is in!

My Meggie wants to go and have a play!
Nov 12, 2013 #38

-Jamie- RSM Moderator

Guesthaus Fuchsohre?
Nov 12, 2013 #39

nutnutwelshman

The Fox Hole fantastic place just like being at HOME bliss
Nov 12, 2013 #40

-Jamie- RSM Moderator

Michaela is brilliant, gt on the rig in the lounge is mega fun as well if the track is shut

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