New Insurance - Restrictions

TJ

TJ

Which Way....??
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Just renewed my bike insurance and reading the "bits" it doesn't cover is this sentence..

Riding on any race track or circuit or de-restricted toll roads or the Nurburgring Nordschliefe.

So I contacted Bennetts and checked if this meant the AutoBahn and YES it does. Bollocks I thought and now I have looked back at my policy for last year and YES it was there as well :blast. I know it's better to stay off the motorways which we do except if we need to make miles in a day...
So I guess we have to make sure we plan our future routes accordingly or change insurance.

Anyone with another provider have this restriction?
 
No way that going onto the motorway invalidates your insurance…hard to believe…impossible..
Nürburgring that I can understand, but not using a motorway…….
 
TJ said:
Just renewed my bike insurance and reading the "bits" it doesn't cover is this sentence..

Riding on any race track or circuit or de-restricted toll roads or the Nurburgring Nordschliefe.

So I contacted Bennetts and checked if this meant the AutoBahn and YES it does. Bollocks I thought and now I have looked back at my policy for last year and YES it was there as well :blast. I know it's better to stay off the motorways which we do except if we need to make miles in a day...
So I guess we have to make sure we plan our future routes accordingly or change insurance.

Anyone with another provider have this restriction?
Click to expand...

Autobahns aren’t generally toll roads and the unrestricted ones get less every year, so why would this have an impact?
 
I’d suggest that you:

A. Never call a call centre chimp

B. If you must, speak to the chimp that is holding the bone


<iframe width="560" height="315" src="https://www.youtube.com/embed/ypEaGQb6dJk" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen></iframe>


PS….. and, yes I know they are representations of apes (not chimps) in the film.
 
TJ said:
Just renewed my bike insurance and reading the "bits" it doesn't cover is this sentence..

Riding on any race track or circuit or de-restricted toll roads or the Nurburgring Nordschliefe.

So I contacted Bennetts and checked if this meant the AutoBahn and YES it does. Bollocks I thought and now I have looked back at my policy for last year and YES it was there as well :blast. I know it's better to stay off the motorways which we do except if we need to make miles in a day...
So I guess we have to make sure we plan our future routes accordingly or change insurance.

Anyone with another provider have this restriction?
Click to expand...

Autobahn is not a toll road. When was last time you paid to use it? Autoroute (pars of these) in France is a toll road. However these are speed restricted.

The ring is a derestricted toll road. A tourist attraction and for a privilege to use it, you have to pay a toll. A bit like Woburn safari park. You pay to use it, only to have you car destroyed by wild animals.

You basically spoke to a nodding pleb. A yes man/woman, who couldn’t give a feck about what this does actually mean. Probably never even heard of Nurburgring Nordschliefe.
A policy has been sold, after that the “I can’t be bothered” attitude kicks in.
 
Well I guess that's a carry on as normal. Apparently I'm not the only person to call Bennetts about this.

Jefformston / EVskij ...good point made, looking back now there aren't.

Like most insurance it's clear as mud..oh the joys...
 
Bennett are a broker, not the insurance underwriter, speak to the underwriter if you are concerned, but it is clearly unrestricted toll roads, not autobahns.
 
Update....

So I emailed Sabre and asked them to clarify the exclusions and below is the email I received back from them...

Seems like Bennetts Chimps know better than others.

Hi
The exclusion will apply when riding on any race track, circuit or de-restricted roads regardless of it being a toll road or not, as well as the Nürburgring Nordshliefe.
If the road is derestricted then the exclusion will apply.

I can confirm Bennetts are correct in confirming the restriction does indeed apply to the German Autobahn.

Hope this clarifies.

Many thanks,

Lewis Pearce

Policy Operations Team Leader | Sabre Insurance Company Limited
Sabre House, 150 South Street, Dorking, Surrey, RH4 2YY
 
So…… (I do like that word)

Congratulations, all your enquiry has produced is an apparent widening of the exclusion.

In your opening post, you gave the exclusion as:

Riding on any race track or circuit or de-restricted toll roads or the Nurburgring Nordschliefe.
Click to expand...

Following your enquiry, Lewis Pearce has taken it upon himself to extend that short list to now embrace….

….or de-restricted roads regardless of it being a toll road or not…. If the road is derestricted then the exclusion will apply.
Click to expand...



In the opening post, you could ride along derestricted roads, provided they were not tolled. There is only two short’ish sections of tolled autobahn in Germany, being two tunnels away in the north of the country. As these two uniquely tolled tunnels are unlikely to be derestricted *, it is not a huge issue. You could have ridden them both and still can.

Now comes the bad news, which your enquiry has landed you with. In the subsequent post (where the exclusion has now been widened) you now cannot ride along a derestricted road at all, irrespective as to whether the road is tolled or not. That does bring in more roads into the extended exclusion, as (whilst they are not tolled) they are most certainly derestricted. These roads are:

A14 — between Leipzig and Dresden
A44 — between Dortmund and Kassel
A24 — between Berlin and Hamburg
A09 — between Berlin and Leipzig
A06 — between Frankfurt and Freiburg
A07 — between Aalen und Wuerzburg
A20 — between Luebeck and Greifswald

According to what Mr Lewis has told you, you cannot now use these roads. Ironically, before you launched your enquiry, you could have ridden them, as - whilst they are derestricted - they are not tolled.

As you clearly enjoy the banter ** with an insurer or their agent, you should now ask Mr Lewis to list the excluded roads, their internationally recognised numbers and the cities they pass between.



* It would though be a crack if the tunnels are de-restricted. Second only to the famous tunnel at Monaco on race day.


** This is why insurers or their agents charge the outrageous mid-term alteration fees they do. To pay for enquiries, such as these.
 
is any policy that does not include a state owned and managed road in Germany, such as the autobahn system, even legal? I am under the impression that all policies issued in the UK must also include the minimum level of cover on any road across the EU and some other countries.

Anyone visiting the Isle of Man better check their policy wording carefully. Or avoid the Mountain.

Sabre (already a bit dubious about them as they took on MCE business) can go on the naughty step with Markerstudy.

I have 2 motor polices, both with Ageas that have none of this nonsense.
 
Without a doubt, either Mr Lewis or the OP have got their wires crossed.

It’ll be amusing, at least for outsiders, to listen to a German federal prosecutor (in the style of Judge Freisler) enquiring of Mr Lewis to explain the exclusion, after the OP has ploughed his awesome into a coachload of German schoolgirls on the derestricted (but no toll) autobahn between Luebeck and Greifswald.
 
Seems the definition of "unrestricted speed" might be a little difficult for the underwriters

We are all familiar with the "national speed limit" sign in the UK with the black diagonal.

Germany has similar with three diagonal lines

end-all-restrictions.png


According to one website this means

"End of all restrictions
End of all route-related speed and passing restrictions; statutory speed limit now applies"

So, as Richard likes to say, anyone daft enough to buy one of these policies might enjoy a battle of legal semantics with a loss adjuster, or even worse a German or Isle of Man prosecutor after doing an Ogden i.e. mowing down a bunch of nuns queuing for a bus after losing control of their ZX7.
 
I am having right old early morning giggle here… you couldn’t make some of this stuff up…

I have a “mate” who’s a bit like OP….
 
It is vaguely amusing that Bennetts exclude:

Riding on any race track or circuit……
Click to expand...

But then go on on their website to promote the very things their policy does not cover:

https://rewards.bennetts.co.uk/rewa...N*MTY4MzI3MDIwNS40LjEuMTY4MzI3MDM1OC42MC4wLjA.

The true irony though is that some of the trackdays are a prize in a Bennetts competition.

“Congratulations, bikermate, you have won a track day”

“Well chuffed. Awesome”

“Hello Bennetts, I were giving it the beans on yer track day I won. I drifted it into the corner, when I sort of fell off, perhaps it were diesel my mate says and now me awesome is in like a hundred pieces. Gutted. Need to claim”

“Track days are excluded. Goodbye and thanks for insuring with Bennetts. By bikers, for bikers”
 
Nippy Normans supply Touratech, Wunderlich, Desert Fox and many other makes of accessories.
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