citrapara said:
M5... Is it true you have to pay for repairs to the Armco etc at the ring ? Is insurance available against this ?
I'm not saying any of the below to scare you, but I'm more than happy if it does because it may make you think twice about going over unprepared and expecting it to be all hunky dory in the event of a crash.
There's a good article about this on the BridgeToGantry website - and
prices for repairs/closures on the Nurburgring.org.uk website
It is true, and I only know of one company that will cover £2000 (standard) or £4000 (for an extra premium) of this for UK drivers (insuremytrackday.com - aka Ryan Motorsport Insurance).
Cost for crashing are something like:
- Base fee for attendance of armco truck: €150
- Removing damaged armco: €10/metre (x2 or x3 or x4 for multiple-height sections)
- Replacement armco: €31/metre (x2 or x3 for double/triple height)
- Removing damaged armco posts: €5.10 each
- Replacing armco post: €39 each
- Safety car attendance: €82 per 30 mins (car + 2 people)
- Circuit closure: €1,350 per hour
- Recovery truck: €250 (inc VAT)
- Hospital stay & air ambulance: Let's just say, do NOT go there without travel insurance! (Though a European Health Card - which replaced the E111 - may cover the hospital bit.)
The insurance situation at the 'Ring has got worse & worse for UK drivers over the last 20 years. You used to be able to rely on your UK policy to cover you for everything, then they started excluding the 'Ring specifically as a 'prepared course'. This was sorted by taking out 'track day' cover from one of the motorsport insurers (I use MORIS and it costs me about £70/day with a £1000 excess). Then the insurance companies started putting a 'recovery' clause on 3rd party claims arising at the 'Ring.
My mate had a trade policy and used to cover us on his policy. Never had an accident/claim on it, but they wrote last year to say they're no longer covering the 'Ring.
Now about 99.9% of insurers will not cover a UK driver you at the 'Ring (and the 0.1% will only do it for existing, well-known customers). So if you have an accident on your own you've got to pay the bill for your car & the armco. If you involve someone else in your accident then you've got your own car & armco to pay for, plus a big bill from the insurer who will pay out to the 3rd party, but will try to recover the costs from you (as per the policy T&Cs).
You can mitigate it somewhat by either renting a car from one of the many 'Ring rental outfits (http://www.rent4ring.de, etc., not Hertz/Avis/etc. as they will know and charge you accordingly), or by driving well within your limits. However, there's nothing you can do about some Swiss/Italian/Dutch kamikaze pilot taking you out.