I have my GT3 insured with A Manning. They were thouroughly professional at the time of getting quotes, processed paperwork quickly and sent out a cover note in no time. They did take sometime sending out my Insurance certificate and it had me down as having 0 years NCB. I queried this with them and was told that they had a record of me having full NCB, but the underwriter sent out the certificate and thus might not necessarily have all the info. I then checked again to see if the other features of my policy were correct, for eg., track day cover and all was in order.
When I got my policy, I went through the small print in fine detail and did not notice specific exclusions wrt Nurburgring; for eg. "Nurburgring" or the other favourite "derestricted public toll roads". I have just gotten off the phone with them today and was told that I was only covered 3rd party on a touristfahrten (public day) but had full cover on a privately run trackday.
Now as far as I know, Allianz (the underwriter) is a german company and the 'ring is a public road in Germany. I dont understand it. How can they exclude it without actually mentioning it on the policy. I know certain UK insurere exclude by name or using clever words. Why should there be no cover? Is it because there might be numpties trying to kill themselves? Is it because they think I might be that numpty? How is the traffic any different from what I might find on the derestricted autobahn? (Dont answer this, I know.
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Please note, I have absolutely no intention of ever crashing or being crashed into at the 'ring. Being crashed into once on my first lap ever was quite enough. (I'll tell that story another time).
I would be very keen to know how the policies of all of you who are insured A Manning are worded.
Yours extremely confused,
When I got my policy, I went through the small print in fine detail and did not notice specific exclusions wrt Nurburgring; for eg. "Nurburgring" or the other favourite "derestricted public toll roads". I have just gotten off the phone with them today and was told that I was only covered 3rd party on a touristfahrten (public day) but had full cover on a privately run trackday.
Now as far as I know, Allianz (the underwriter) is a german company and the 'ring is a public road in Germany. I dont understand it. How can they exclude it without actually mentioning it on the policy. I know certain UK insurere exclude by name or using clever words. Why should there be no cover? Is it because there might be numpties trying to kill themselves? Is it because they think I might be that numpty? How is the traffic any different from what I might find on the derestricted autobahn? (Dont answer this, I know.
)Please note, I have absolutely no intention of ever crashing or being crashed into at the 'ring. Being crashed into once on my first lap ever was quite enough. (I'll tell that story another time).
I would be very keen to know how the policies of all of you who are insured A Manning are worded.
Yours extremely confused,
