When discussing insurance for accidents on the Nürburgring Nordschleife, three key parties are involved:
There are two main scenarios to consider: Touristenfahrten (public driving) and Nürburgring track days.
During Touristenfahrten, the Nürburgring Nordschleife is classified as a public road. As with any public road, you must have at least third-party insurance to drive. Be sure to carefully review your insurance policy for any exclusions, as some policies may not cover this type of driving.
In the event of an accident involving others, insurance companies will determine liability as they would for any road incident. If you’re found liable, proper insurance coverage is essential to protect yourself financially.
During private track days, the Nordschleife is considered a race track, not a public road. Most standard road insurance policies do not cover track day driving. For many track days, including those organised by DN Events, no insurance is required*.
And certainly for track days organised by DN Events – participants agree not to claim against each other for damages as a condition of entry. This means, on DN Events track days – you’re only responsible for your own (first-party) costs in the event of an accident. This significantly reduces financial risk compared to public driving days and other trackday organisers.
While third-party liability insurance isn’t required for DN Events track days, some drivers may still worry about damage to their own vehicle. Several companies offer specialised “track day insurance” to cover first-party risks. Below is a list of some (but not all) providers offering these policies.
* Some German or other European track day organisers DO require third party insurance, which is normal practice in some countries. If you are in any doubt, please contact the actual organiser directly for confirmation. To confirm exactly who is running any event on the Nürburgring – CLICK HERE to see the official list and look for the date you’re interested in.
Sports Insure are one of the larger motorsport insurers in the UK.
The team at MIS can provide all the insurance cover you need to drive on circuit.
If you are an EU citizen Ryan Motorsport Insurance can cover any vehicle at any circuit worldwide including the Nurburgring Nordschleife – we can even include barrier damage to the guardrail.
Ryan Motorsport Insurance developed the first “quote and buy” online system aimed solely at the track day user.
We are the leading provider for Track Day Insurance for Cars. Our online services are ahead of the game and we are able to provide cover for values up to £200,000. Instant cover also available for any car up to £60,000.
Please note. These insurances are not suitable for public, or Touristenfahrten public days. These insurances are not likely to provide any third (3rd) party cover, a legal requirement on public days. It is unlikely that normal road policies will cover a private Nürburgring trackday such as DN Events Nürburgring trackday. Unless you take out a policy from a specialist insurer – you may have no insurance on this event. Motor vehicle insurance on the Nürburgring on this event IS NOT required by any law.
If you represent a specialist insurer offering products suitable for Nürburgring trackday insurance customers across the UK, Europe and beyond, and you want to be included on this page – please get in touch.
