[Red Baron]

Exclusions from the RAC European Cover:

-breakdowns resulting from activities that are not subject to the normal rules of the road for example rallies, stock car racing, use of the Nürburgring or other formal or informal race events


-your vehicle if it is not legally taxed, insured and holding a valid MOT which is required by law or is not being used in line with manufacturer's guidelines;


-vehicles that are not in a roadworthy condition. If we consider, acting reasonably, that the vehicle is not in a legal or roadworthy condition, we can refuse to provide service. If you can demonstrate that the vehicle is roadworthy we will provide service

Pretty specific about use of the Nurburgring but obviously only if it breaks while it's on the ring, pretty grey area around use in line with Manufacturers guidelines and what is legal, car can be roadworthy without a catalytic converter but it's not legal




And Allianz are pretty clear, plus they won't cover cars over 15 years old on standard policies and over 10 years old on their gold plus policies


12 Charges for specialist recovery or charges incurred by us where the vehicle is not being used on a public highway or when the breakdown occurred where the vehicle was not accessible using our standard recovery equipment.

Although I'd read that as the ADAC recovery charge from the ring itself, they'd probably still take you home.


15 Vehicles modified in any way from the manufacturers specification

In this case they could effectively state that having a non OEM tow bar, roof box, aftermarket wheels etc invalidates the policy.