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6:43 PM , , , ,

 Justin Everitt on Google+

Silverstone Classic Parade Lap InsuranceSilverstone Classic Parade Lap Insurance by MORIS.co.uk who have just announced that they have introduced a low cost insurance for those who are worried about an accident on the parade lap at this years Silverstone Classic.


Justin Everitt explains: "we have received a number of enquiries for those who are seeking to venture out onto the circuit. If you have never had the chance to drive around the track this is an excellent opportunity to experience some of the fantastic curves of this famous circuit and glimpse at what some of the drivers of the day must be experiencing"

This should be just a fun experience but MORIS.co.uk appreciate that a number of people have been concerned about insurance and damage to their cars. This should not happen of course but we have seen before how there are some who want to just "hang back" and give it a real blast. This is tempting to do after all and who can blame anyone for wanting to do that?

The problem is that for those who are initiated to circuit driving, is that the speed is not immediately apparent. It is like going 100mph on the motorway - it all seem so serene and "easy" - it is - and that's the problem, there is no real skill in driving in a straight line with your foot to the boards - do you honestly think an F1 driver is paid to do just that? The skill in fast driving is appreciating where to judge the braking and how much momentum can be carried into the corner and that takes time to appreciate anywhere - especially in unfamiliar surroundings.

This is where those who just put their foot down sometimes discover they may have over rated their own abilities. There have been incidents where some people have simply embarrassed themselves and ended up in the kitty litter, but a few years back on a parade lap at Le-Mans, there was a slightly messier situation where cars ran into the back of others. This was simply caused by stupidity and over excitement and that is such a shame to have a simple experience ruined in this way. Your normal motor insurers would not be expected to be very sympathetic.

So what do you do? MORIS.co.uk are offering a simple cost effective insurance which means they are waving their normal minimum premiums so depending on value and age of driver for the sake of starting premiums of £29.99 to cover up to £30,000 of value it is worth the peace of mind surely?

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7:01 PM , , ,
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Insurance at Nurburgring - Public Days and what you should know

Tourist Driving is what the Germans call touristenfahrten, which seems an innocent enough phrase until you introduce a certain German race track by the name of Nurburgring – or “The Ring” for those who have experienced this fantastic place.
Insurance at Nurburgring
In Germany their “normal” road traffic law applies to the whole of the Nordschleife so a driver / rider is permitted by law to drive as fast as he likes providing he is always in control of his car / bike. The driver / rider should adjust speed according to weather conditions and other road traffic. And with numerous advisory and mandatory road signs on the route there are even some speed restricted parts of the Nordschleife. For example there is a 30 kmh limit on the first 200 metres from the main entrance and a 90 kmh limit on the approach to the Adenau Bridge exit at Breidsheid. The remainder of the track (ie most of it) has no speed limit and is “de-restricted”

To driver on the Nordschleife the General Conditions that you sign state that racing and speed record attempts are forbidden. You must drive on the right of the circuit and only overtake on the left. The local police will investigate collisions and will prosecute where blame is found – in accordance with local road traffic laws. 

If you do not have a valid German Insurance policy (which is unlikely if you are travelling from the UK and don’t have your car / bike registered in Germany) you must carry proof of insurance and by this what is expected is THIRD PARTY Insurance.

Under UK law a UK insurer is simply unable to exclude minimum level cover (Third Party) anywhere in an EU member state - where insurance is mandatory. This means that any clause in an insurance policy that attempts to exclude this mandatory cover has no effect.  So that would seem to answer everything then? Right?  Errrrr not quite…..

Be warned - more than likely you policy will state that if the insurer is obliged to meet a claim it otherwise would not pay then the insurer is entitled to reclaim the settlement from the driver. This means if they did pay out on a £1m third party injury claim – by law your regular motor insurers could seek reimbursement from you! That is scary stuff isn’t it??

The UK Insurance Ombudsman made a final decision in 2010 regarding a case concerning the Nurburgring Nordschleife. It was determined that the Nordschleife as a touristenfahrten (PUBLIC DAY) is a “prepared course”. The policy in question excluded use of a vehicle on such a “course”. This was held to be both “fair” and “reasonable” - especially given the increased risks associated with driving in such “any speed” places. The insurer met all third party liabilities as they are required to do by EU law.

HOWEVER the driver was deemed to be acting outside the terms and conditions of the policy. The Ombudsman stated that UK and European law means the insurers have to provide the third party cover  - even if their policyholders are using the insured vehicle in a manner which invalidates their own-damage cover.

So what does this mean? If you have a UK motor policy and are planning on a PUBLIC DAY only at The Rong, you MUST check with your insurers IF Nurburgring is or is not covered. They will probably say “No”. If you ignore this and go and injury someone anyway, the insurers will have to pick up the tab by law – but there is nothing in law stopping them coming after you for contribution.

It is a very different scenario when the Nordschleife is closed to the public. This moves into the realms of a private Trackday – in which case everything above is thrown out of the window.  Nothing mentioned mentioned applies to a TRACKDAY.

Insurance at Nurburgring on a private TRACKDAY is available BUT this is then only in respect of damage to your car BUT there is then NO with no third party insurance that is currently available for this or any other circuit.

At MORIS.co.uk we will be developing an add on extension to out Insurance at Nurburgring policies for Trackdays which will include third party PROPERTY damage to the circuit Armco itself which you may be billed for should you damage the Armco.

For further reading on trackday third party cover:

By Justin Everitt
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4:42 PM , , , , , ,
 Justin Everitt on Google+

Always so sad to hear and read about these things. Lewis Hamilton recently remarked that "danger" was part of the attraction of course. No driver would disagree with that. Think Allen's family are to be praised for encouraging the team to keep going though. I am sure the finish in a few hours will feel emotional for all there.

MKRdezign

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