Motorists are likely to immediately invalidate their car insurance policy by driving on one specific toll road in Europe. The Nürburgring Nordschleife in Germany is one of the most dangerous race tracks in the world, with the 14 mile course boasting around 170 corners.
The circuit was famously dubbed the ‘Green Hell’ by Jackie Stewart and hosted the Formula 1 German Grand Prix until 1976, the year of Niki Lauda’s fireball smash. Since, the route has become popular for tourists the German authorities now classifying the circuit as a one-way roll road. Normal German traffic laws apply, with motorists told to drive on the right and overtake on the left.
There are no general speed limits in place, meaning motorists can go as fast or as slow as they like. Access to the circuit costs €30 (£26) on weekdays and €35 (£30.50) on weekends. But, car insurance has proved a headache, with many firms specifically listing the road in their terms and conditions, meaning motorists are not covered.
In 2010, the UK Financial Ombudsman Service ruled that the Nürburgring Nordschleife is considered to be a “prepared course”, even during open public driving days.
Moris Track Day Insurance said: “If you have a UK motor policy and are planning on a public day only at The Ring, you MUST check with your insurers if Nürburgring is or is not covered.
“They will probably say ‘No’. If you ignore this and go and injure someone anyway, then by law the insurers will still have to pick up the tab – but beware – there is nothing in law stopping them coming after you for contribution or recovery.”
According to Allianz, car insurance won’t apply if a vehicle is used for racing, speed trials or track days. They are among several firms to specifically mention the Nordscheilfe in their terms and conditions.
They said: “Using or driving on a racing track, circuit, airfield, test venue, derestricted toll road (including the Nurburgring/ Nordschleife) or at a professionally or socially arranged off-road event.”
Aviva makes clear that they won’t pay for “loss or damage arising from use of your vehicle while taking part in a Track day or whilst driving on the Nürburgring Nordschleife.”
Sheila’s Wheels states that there is “no cover” for track days and off-road events, including use of a car “on the Nürburgring”. It’s no surprise insurance firms are cautious, with around 80 tourist accidents across the circuit every year.