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Opr.: MAK | 13 stycznia 2015 14:29

Czy ubezpieczenie AC obowiązuje na torze?

Za każdym razem, gdy słyszymy o kierowcach, którzy szaleją na publicznych drogach, wraca temat możliwości szybkiej jazdy na zamkniętych obiektach. Choć liczba i jakość torów wyścigowych w Polsce pozostawia wiele do życzenia, to znajdziemy coraz więcej miejsc, w których w bezpieczny sposób można się wyszaleć samochodem lub na motocyklu. Jednak wielu kierowców rezygnuje z takiej zabawy, gdyż na torze nie obowiązuje ubezpieczenie AC.

Ubezpieczenie autocasco zapewnia właścicielowi przede wszystkim ochronę na wypadek kradzieży, dodatkową pomoc w postaci assistance (np. holowanie), a także pokrycie kosztów lub naprawę bezgotówkową uszkodzeń powstałych z winy kierującego ubezpieczonym pojazdem. Wybierając polisę AC dla siebie, trzeba jednak mieć świadomość sytuacji, w których ubezpieczyciel ma prawo odmówić likwidacji szkody. Powinny o tym pamiętać przede wszystkim osoby planujące jazdę po torze lub off-road.

– Ochrona w ramach AC obejmuje zdarzenia, które powstały wskutek standardowego użytkowania pojazdu – tłumaczy Bartłomiej Behnke z porównywarki ubezpieczeń www.superpolisa.pl. Oznacza to, że jazda, która może być uważana za wyczynową, nie podlega ubezpieczeniu. Chodzi tu na przykład o korzystanie z toru wyścigowego lub jazdę off-roadową w trudnym terenie.

Dla przeciętnego kierowcy rozszyfrowanie zapisów Ogólnych Warunków Ubezpieczenia (OWU) pod tym kątem może okazać się dość trudne, ponieważ żadne z towarzystw nie pisze wprost o jeździe na torze. To pojęcie zapisane jest w definicji rajdów, zawodów, jazd treningowych czy konkursowych, które standardowo nie są objęte ochroną ubezpieczeniową. Dlatego w przypadku szkody powstałej podczas poruszania się po torze (po obiekcie niebędącym jezdnią przeznaczoną dla wszystkich uczestników ruchu drogowego), ubezpieczycielom łatwo będzie zakwalifikować całe zdarzenie jako trening czy jazdę próbną przed wyścigiem i odmówić wypłaty odszkodowania. Aby tak się nie stało, należy przed zakupem AC porównać oferty i sprawdzić, które towarzystwa umożliwiają rozszerzenie podstawowego zakresu ochrony. Na czym to polega?

Gdy kierowca będzie chciał jeździć po torze (niezależnie od jego rodzaju), to standardowe AC żadnego z towarzystw ubezpieczeń nie obejmie związanych z tym potencjalnych szkód. Niektórzy ubezpieczyciele są jednak skłonni pójść kierowcy na rękę i po dodatkowej weryfikacji, za zgodą centrali i po zapłacie dodatkowej składki, rozszerzyć ochronę ubezpieczeniową np. o ryzyko szkód powstałych podczas wyścigów i treningów. Taką możliwość, zwłaszcza dla klientów, którzy wykupili już w danym towarzystwie jakieś ubezpieczenie, dopuszczają m.in. Compensa, ERGO Hestia oraz PZU.

W Polsce powstają kolejne miejsca, gdzie można w bezpiecznych warunkach szybciej pojeździć. Są to miejsca, gdzie mogą się wyszaleć kierowcy, który do tej pory niebezpieczne zachowania ćwiczyli na publicznych drogach. Niestety potrzeba posiadania dodatkowego ubezpieczenia może oznaczać, że naśladowcy niesłynnego Froga dalej będą ścigać się na ulicach. Warto jednak rozważyć dodatkowe ubezpieczenie, gdyż skorzystanie z zamkniętego toru to nie tylko szansa na szybką, a jednocześnie bezpieczną jazdę, ale też sposób na szlifowanie swoich umiejętności za kierownicą.

Źródło: www.superpolisa.pl

tor wyścigowy ubezpieczenie ac ubezpieczenie na torze ac

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