Whats my Excess?
Watch for traffic, before you make any move on track!
It’s well understood about the danger and risks of driving on a track. What can be a bit confusing from time to time, is: what happens if the worst happens?
At RSR we do our best to make sure nothing bad happens. We want our clients safe, happy, and wanting to come back again and again.
We always give a safety briefing to each and every one of our clients. This makes sure they understand the rules and regulation of the days, and gives you an idea of what to expect.
We also ensure everybody wears a helmet on track. There is no excuse for not wearing a helmet. If the worst happens, we want to make sure everything has been done to keep you safe.
In reality, there is no such thing as a dangerous track, only dangerous drivers. Any corner, no matter how sharp, off camber, or low grip, can be taken at an appropriate speed. Getting to know the appropriate speed takes two things: knowledge; and a bit of patience and humility while learning (i.e. take it easy for a while - drive at 7/10ths!).
Start off by asking yourself - “What would happen if I took my own car on track?”
For the most part, normal car road insurance does not cover accidents while on a race track. This means, that any damage you do to the car, you would have to pay to repair. Destroy the whole car? Then you’re minus a car, my friend!
Of course, track day insurance can cover for accidents like this, and these sorts of insurances are still available on our cars. There’s also list of insurers we can recommend at the bottom of this article.
So what happens in an RSR Car?
In short, you pay for any damage that you have done to the car. This goes up to a maximum amount or - Insurance Excess - on each car. (Insurance excess can also be known as a deductible in other countries)
The level of the insurance excess does vary per car, and is usually around half the replacement value of the car - meaning you don’t have to pay for the whole thing!
Something to note is that the replacement value isn’t just the purchase price of the car. It also includes items such as:
- Import costs
- Extra track parts, like upgraded brakes, pads, tires, cages etc.
- Registration costs
- Running-in costs
- Certification costs (for right hand drive cars, for track parts)
- Localisation costs (again for right hand drive cars)
- And so on…
What are our excess levels?
(*Last updated March 2017)
On the track (Including Touristenfahrten):
- Renault Twingo: €4000
- Ford Fiesta ST: €10000
- Renault Clio RS200 Paddleshift: €10000
- VW Scirocco GTS: €17000
- VW Golf GTI: €17000
- Renault Megane RS265: €17000
- BMW M135i: €22000
- VW Golf R: €25000
- Ford Focus RS: €35000
- BMW M235i: €35000
- BMW M3 E92 V8: €35000
- Renault Clio Cup Race Car: €35000
- BMW 130i Race Car: €35000
- Lotus Exige 240S: €35000
- Lotus Exige V6: €50000
- BMW M2: €50000
- BMW M4 Competition Package: €50000
- Lotus Cup 260: €50000
- Lotus 2-Eleven: €50000
- Porsche Cayman S 981 / 718: €50000
- Alfa 4C: €50000
- Porsche Cayman GTS 981: €50000
- Porsche GT3 996: €50000
- Porsche Cayman S Race Car: €75000
- Porsche Cayman GT4: €75000 (External insurance recommended)
- Nissan GT-R: €75000 (External insurance recommended)
- Porsche GT3 991: €100000 (External insurance recommended)
- Mercedes AMG GT S: €100000 (External insurance recommended)
- Porsche GT3 RS 991: €150000 (External insurance recommended)
- McLaren: €150000 (External insurance recommended)
Public Roads / Road Tours:
- Porsche GT3 991: €12500
- Mercedes AMG GT S: €12500
- Porsche GT3 RS 991: €12500
- Nissan GT-R: €12500
- McLaren: €12500
- Ferrari F12berlinetta: €20000
- Maserati: €12500
- All others in RSR Fleet: €5000
From the above crash, damage was nowhere near the excess.
Why do we set the excess level like this?
Track insurance is very, very hard to come by, and as mentioned in the ‘own car’ scenario above - usually there is no insurance at all. When it comes to a crash, and under our basic insurance structure, it’s a good deal when you’re not liable for the entire cost car.
While €50,000+ can seem like a high price, this is your worst case scenario - i.e. this is what you’re responsible for if the car is a complete write off.
A fully written off car is very, very unusual, and you only pay for the damage you do. So in most cases, these excess level do not apply. We’re not going to charge you €20,000 when you only do €1000 of damage!
At the end of the day, you are responsible for how you drive the car. When you are in control, you need to be responsible with your speed and cornering, keeping your wits about you, and seeing what is going on. If you don't know where you're going, then drive a bit slower, just like you would on the road!
What about third parties?
For the majority of accident cases, there is no third party involved. Usually, it’s the driver getting ahead of themselves, and running out of talent. The other people on track, no matter how idiotic, for most of the time can be avoided by driving defensively, taking no risks, being predictable, and just letting them go on past.
There are different situations that need to be mentioned regarding third parties: Public Road, Touristenfahrten and Trackdays.
- Public Roads - €5000 on the other car
- Touristenfahrten - €10000 on the other car
- Trackdays - Everyone is responsible for paying their own car
When it comes to Public Roads and Touristenfahrten, sometimes it’s not apparent whose fault it is in a crash. Police reports can take weeks to come back. When there is a third party involved, and the fault is unsure, then we put take the above amounts as a deposit. Anything unused is returned to you once fault is established or repairs are made.
Trackdays are a different story. There are no public road rules in effect. This means that if any damage is done to another car, they have to pay for their own car. Vice versa, this means that if someone crashes into you, then you are responsible for paying the amount of damage to the car you were driving - even if it’s not your fault.
I’m nervous now - what can I do?
A healthy amount of nerves is good - but of course we still want you to go out there, and enjoy some of the best tracks in the world, with us!
You can always drive carefully, within your limits, and drive defensively around other cars on the circuit. Watch what is going on around you at all times - but also concentrate on what you're doing!
Hire one of our experienced driving instructors to help you around the track. It’s great to have a second pair of eyes out there, and they can help you with part of the circuit you’re not familiar with and also keep your driving levels in check!
Hire a car that is within your means. A fast, super expensive car is a nice thing to hire on one of our road tours. But on the track, it means everything approaches quicker than you expect, and if something goes wrong, then you’re normally going faster. When you are very experienced on the circuit, then a faster car can be more rewarding to drive. But when you’re just starting out, it’s always better to work your way up through the levels of car.
Morale of the story - don't drive outside your means!
You can organise extra track insurance, that for an additional premium, can cover you for our excess amounts. Your premium varies depending on your driving history and other factors. In the unlikely case of an accident, you still have to pay for the damages to the car,but you can then go and claim your money back from the company you were insured with afterwards. We have many insurance companies that are familiar in working with RSR, see below for a list of our recommended insurers. Third party insurance has to be organised by you, ahead of time. Is it simply not possible to organise on the day of rental.
What about deposits on the cars?
While most of the companies who hire out cars at the Nürburgring ask for a deposit while hiring a car, for most of our cars we do not require this.
A deposit is a sum of money paid before the rental, that is returned to the client upon a safe return of the car.
The only cars that we require a deposit for is our top-end Supercars. These cars are high value cars, and we take a deposit of approximately 10% of the value of the car. These are required regardless of if the cars are insured by a third party or not.
- Porsche GT3 991: €10000 / Track usage
- Mercedes AMG GT S: €10000 / Track usage
- Porsche GT3 RS 991: €15000 / Track usage
- McLaren MP4-12C: €20000 / Track usage
- Ferrari F12berlinetta: €5000 / Road Usage
Who do we recommend for track insurance?
Please find a list of our recommended insurers below:
At the end of the day, we want all clients to be happy and satisfied with their rental experience. The article above is designed to demystify some of the processes on the side people don’t usually like to talk about - e.g. what happens if it all goes wrong.
If you have any questions regarding anything, then feel free to contact a friendly member of RSR Staff - we can answer any specific questions you may have.
Please note - Prices and amounts were correct at time of writing. Please ask us for the latest details on the particular car you are interested in renting.