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"In August 2010 the Financial Ombudsman Service made a final decision regarding a case concerning the Nurburgring Nordschleife. The Ombudsman ruled that the Nordschleife is a one way toll circuit with all the characteristics of a 'prepared course'. The insured's policy excluded use on a 'prepared course'. This sort of exclusion was held to be neither unfair or unreasonable given the increased risks associated with driving in such places. The existence of road traffic laws and speed limits was said to be irrelevant as it is still a 'prepared course'. The insurer agreed to meet any third party liabilities but this did not mean that the driver was driving within the terms and conditions of his policy. The ombudsman said that UK and European law requires insurers to provide a minimum of 3rd party only cover even if their policyholders are using the insured vehicle in a manner which invalidates their own-damage cover. There is no restriction on the right to exclude certain matters affecting the policyholder's own property and person. Such matters are governed by the contract of insurance entered into by both parties. Hence, the insurer can indemnify the third party (to comply with the law) without having to indemnify the driver for his own losses if they arise from an excluded event or situation.

Your insurance policy will probably contain a clause to the effect that if the insurer is obligated to meet a claim it otherwise would not pay then the insurer is entitled to reclaim the settlement from the policyholder. In May 2010 the insurer's right to recovery was considered by the Court of Appeal. The case has been referred to the European Court of justice."

In short - your insurance will pay out third party, not because they want to, but because they are legally obliged to. Then they claim it back from you and you potentially lose your house etc, or best case you incur huge costs fighting a massive court case with the financial ombudsman not on your side.

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Originally posted by Corsa_Sport21

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Originally posted by Fonz

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Originally posted by Corsa_Sport21
I dont need to go on a race-track to learn my cars limits.Why would i??I wouldnt be able to take it to those limits on the public roads.

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i respectfully disagree!

i am a keen and active auto solo* competitor and if nothing else, racing in these events has taught me a lot about car control, handling on the limits and importantly how to correct the cars line.

the skills learnt there helped me so much in the past two months worth of winter snow and without learning the skills on the edge, if ever reached - for whatever reason, spirited driving or road conditions, i've known how to correct teh situation.

Learning what the car is capable of is a very valuable skill. and it doesnt matter if that is handling capability or braking, or any other attribute


*run a quick google search or look on youtube, 60s blasts speeds less than 30mph but very intense, on the edge driving

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But in the 8/9 years ive been driving,ive never once needed to go to the ring to learn how to control a car,and funnily enough,ive never crashed a car nor have i been in the situation where having some previous driving history at the ring would have saved my bacon.I also know people who have never been,but are shit hot drivers with awesome car control on the limit.

If i did ever feel i needed some tuition as such,then Knockhill is just 30mins away from my house.I could pay less than 100quid and get a cpl of sessions with a fully trained instructor which would probably be alot better and more informative than going to Germany to drive fast on a long road.

You have just proved that people who have been to the ring,think they are the next best thing to a race car driver.

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Originally posted by Butler
Fonz didnt even mention the ring once, and was replying to your comment that you shouldnt need to go to a race track to learn your cars limits. So what he basically said is that he thinks he is a better driver because he has been on a race circuit, not specifically the ring - which is probably true to be honest.

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Originally posted by Steve
graham, warren, gavin thats all that have been off on here

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