We get this question a lot, Am I insured on the Nordschleife?
The answer is generally: NO, BUT!
BUT there are many dependencies to the above.
Generally speaking the Nordschleife during Touristfahren is classed as a public (toll) road. This means that in normally German registered cars are insured on the Nordschleife, under the All Risk Coverage (Voll-Kasko).
However, due to the high accident rates and negative news reports, many exclusions have been added to policies over the years. Therefore it is very important to check the exclusions in your policy!
If you need help understanding the wording or finding a policy which covers the Nordschleife, contact us.
We speak from experience, having been through it ourselves, and being very happy to having it arranged appropriately.
You will also see lots of foreign plates (UK, NL, BE, France etc.) driving on the Nordschleife. This is where it gets interesting.
Simply said, these cars are not insured on the Nordschleife! Insurers from these countries have explicitly excluded coverage on the Nurburgring, or if not mentioning it by name directly they will exclude one-way toll roads, racing circuits, prepared courses or something similar like dangerous driving.
Meaning your standard road insurance policy does not give you Nordschleife insurance, either for the cost of damage to your own car, or third party liability. This last part means, that if you crash into another car, or are the cause of the crash (oil leak) you are liable for the damages of the other car(s). With lots of expensive cars around, you can imagine that the costs of fixing a Porsche GT3RS can be severely high, if you crash your Renault clio into the back of it.
In 2010 the Financial Ombudsman Service ruled that the Nurburgring Norschleife, on tourist driving days, was a prepared course. Additionally, they ruled there was ‘no restriction on the insurance provider’s right to exclude certain matters affecting the policy holder’s own property and person’. As such, these exclusions within your insurance policy mean that your insurer will not pay out for any damage to your own car sustained on the Nordschleife during touristenfahrten.
In the same ruling UK and EU law requires insurers to provide a minimum of third party only cover, even when the car is used in a situation that invalidates their first party cover (such as on the Ring). However, most insurance policies will also include a clause stating the insurer is entitled to reclaim the total pay out value from the policyholder if the settlement was made in a scenario where it was obligated to meet the claim.
So if your insurer has paid out for third party damages as required by law, they can come after you for reimbursement of these costs. This has happened in real life.
So to answer the question: All non-German cars are considered to be not insured.
There are many scenario's that can happen at the Nordschleife.
These are the most common:
Scenario 1: You crash your own car
There are many stories and high bills known within the community. A standard would be EUR 100-200 per meter barrier.
Scenario 2: You crash a rental car.
Scenario 3: Somebody else crashes into your car
Scenario 4: You crash into somebody else's car