Towing insurance.

siweb · 14-11-2008, 16:50

When I took out my motor insurance the other day, we talked about towing he said it covers me to tow upto 24ft well some caravans are longer than that.
Wonder if people ever check there insurance :?: or does the caravans own insurance cover it :?:

14-11-2008, 17:10

i was told that my car insurance covers the caravan only when it is hitched up and moving??
We have a very old caravan with no vin no. !! so find it hard to get insurance for it!! 8O

siweb · 14-11-2008, 17:58

Quote:

Originally Posted by cosmic

i was told that my car insurance covers the caravan only when it is hitched up and moving??

Thats what i mean but (mine) only covers for it been upto 24foot long.

Which is rather long, but i've seen a good few caravans that are upto 26ft long..

Jocky · 14-11-2008, 18:01

My 26ft van is covered by the caravan insurance.

If your car insurance covers it, what does it cover???????

:smile:

14-11-2008, 18:03

I'm assuming it's if you hit somebody else with it!! 8O

siweb · 14-11-2008, 18:07

ah...

what the bloke on the phone said "I was insured to tow but only up to 24ft in length" So I suppose if I was towing a 26ft van and had to make a claim for any reason my insurance would be void.

Jocky · 14-11-2008, 18:13

Quote:

Originally Posted by siweb

ah...

what the bloke on the phone said "I was insured to tow but only up to 24ft in length" So I suppose if I was towing a 26ft van and had to make a claim for any reason my insurance would be void.

I don't think they would get away with that in court. 8O

If your car can legally tow X weight and the length is below the max length or width you can legally tow on UK roads. Where is their arguement????

Just my thoughts 8O

rustic · 14-11-2008, 18:49

A few years ago I changed my insurance to a cheaper one, and it was only when I read the small print it said that 4 wheel trailers were excluded. Under the 14 day rule I got a full refund, didn't know about the length though, so size does matter after all.
Mine is a boat trailer, (Seperate insurance for boat which includes the trailer and the engine. Infact, the boat could be in the water, the trailer on dry land and the engine in my garage... Sort that one out if there is a claim).
When connected to the car, the car insurance gives third party cover ie if you damage another vehicle or property.
Not sure which insurance you claim off for a breakaway while on the road, or if your caravan rolls down a hill in a field while camped....
You only find out how good insurance is (or not) when you have to make a claim.

If you think that's a problem.... have you read the small print for your breakdown or relay cover, you may be surprised.....

Jocky · 14-11-2008, 19:37

If they've got a copy of the agreement with you I'd say they would say that you've signed a binding contract 8O

but you will probably find they've not kept the copy you signed 8O

thats been happening a lot with people not paying back debt as the banks don't keep the copy you signed 8O so peeps get out of repaying the debt

Will check my policy now as I've never even thought about this one 8O

:smile:

Thomas-the-Terrano2 · 14-11-2008, 19:43

guys the van length is likely hint of caravan code, which limits vehicles
with gvw upto 3500kg to tow max length ( body) of 7m/23ft and 2.3 m/7ft6in wide.

so those big/wide hobbys etc need a commercial to tow em, frankly nice
to hear an insurance company know what there talking about as see plenty of domestic
trucks like t2/shoguns towing bigger vans and not all
tuggers are traveller types. so will have a bit of shock when find have
invalidated their cover.

19-11-2008, 11:23

Quote:

Originally Posted by siweb

When I took out my motor insurance the other day, we talked about towing he said it covers me to tow upto 24ft well some caravans are longer than that.
Wonder if people ever check there insurance :?: or does the caravans own insurance cover it :?:

got me worried there Si... just checked my ESure policy as van is 26ft...any trailer/caravan is covered for 3rd party liability provided it meets construction/use regulations and was designed to be towed by a 'CAR'. Think this would be the deciding fact as anything over 26ft is classed as commercial so would not be covered... Any damage to the van whilst being towed is covered by the caravan policy... could get complicated that! Will try hard not to bend it!! :smile:

siweb · 19-11-2008, 20:57

Found this when I was looking at the LAW and Towing side of things.

http://www.ntta.co.uk/law/law/dimensions.htm

Quote:

Towing vehicle up to 3500kg GVW
Length (excluding the coupling and drawbar) 7.0 m
Width Maximum 2.3 m

:?

Thomas-the-Terrano2 · 19-11-2008, 21:13

Quote:

Originally Posted by siweb

Found this when I was looking at the LAW and Towing side of things.

http://www.ntta.co.uk/law/law/dimensions.htm

Quote:

Towing vehicle up to 3500kg GVW
Length (excluding the coupling and drawbar) 7.0 m
Width Maximum 2.3 m

:?

thanks for link siweb. i know the regs from caravan club handbook but harder to prove otherwise. the dvla site doesnt mention these restrictions btw. reference b+e licensing.

ironic i know of a couple of members in our local centre of cc that have lovely but oversize hobbys, towed by shoguns and navaras but still illegal. funny really cos they dont use towing mirrors either which is a legal requirement even on a 4x4...

guess their time will come

:

14-11-2008, 16:50	#1
siweb Senior Member Join Date: Mar 2008 Location: Yorkshire Posts: 191	Towing insurance. When I took out my motor insurance the other day, we talked about towing he said it covers me to tow upto 24ft well some caravans are longer than that. Wonder if people ever check there insurance :?: or does the caravans own insurance cover it :?:

14-11-2008, 18:01	#4
Jocky Senior Member Join Date: Feb 2005 Location: Teesside,Englandshire, I only sleep there honest. Vehicle: Nissan Patrol 2.8 TD6 Y61 Posts: 1,420	My 26ft van is covered by the caravan insurance. If your car insurance covers it, what does it cover??????? :smile: __________________ (Y61) Patrol 2.8TD6 SE Touring.DPT Box. Ironman Nitro Shocks OME Springs 20mm lift front, 30mm lift rear. 33" General Grabber AT's, Airtec Snorkel, EGR Mod. 2.5" Stainless Exhaust

14-11-2008, 18:49	#8
rustic Senior Member Join Date: Feb 2007 Location: Staffordshire Vehicle: Maverick Mk I 2.7 TD LWB Posts: 7,825	A few years ago I changed my insurance to a cheaper one, and it was only when I read the small print it said that 4 wheel trailers were excluded. Under the 14 day rule I got a full refund, didn't know about the length though, so size does matter after all. Mine is a boat trailer, (Seperate insurance for boat which includes the trailer and the engine. Infact, the boat could be in the water, the trailer on dry land and the engine in my garage... Sort that one out if there is a claim). When connected to the car, the car insurance gives third party cover ie if you damage another vehicle or property. Not sure which insurance you claim off for a breakaway while on the road, or if your caravan rolls down a hill in a field while camped.... You only find out how good insurance is (or not) when you have to make a claim. If you think that's a problem.... have you read the small print for your breakdown or relay cover, you may be surprised..... __________________ Ford Maverick GLX 1995 2.7TD LWB in illusion silver, 98k miles. Owned since new, for 22 years. Best car I have ever owned. Just wish I could drive it more.

14-11-2008, 19:37	#9
Jocky Senior Member Join Date: Feb 2005 Location: Teesside,Englandshire, I only sleep there honest. Vehicle: Nissan Patrol 2.8 TD6 Y61 Posts: 1,420	If they've got a copy of the agreement with you I'd say they would say that you've signed a binding contract 8O but you will probably find they've not kept the copy you signed 8O thats been happening a lot with people not paying back debt as the banks don't keep the copy you signed 8O so peeps get out of repaying the debt Will check my policy now as I've never even thought about this one 8O :smile: __________________ (Y61) Patrol 2.8TD6 SE Touring.DPT Box. Ironman Nitro Shocks OME Springs 20mm lift front, 30mm lift rear. 33" General Grabber AT's, Airtec Snorkel, EGR Mod. 2.5" Stainless Exhaust

14-11-2008, 19:43	#10
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	guys the van length is likely hint of caravan code, which limits vehicles with gvw upto 3500kg to tow max length ( body) of 7m/23ft and 2.3 m/7ft6in wide. so those big/wide hobbys etc need a commercial to tow em, frankly nice to hear an insurance company know what there talking about as see plenty of domestic trucks like t2/shoguns towing bigger vans and not all tuggers are traveller types. so will have a bit of shock when find have invalidated their cover. __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

14-11-2008, 17:10	#2
Deleted Member Guest Posts: n/a	i was told that my car insurance covers the caravan only when it is hitched up and moving?? We have a very old caravan with no vin no. !! so find it hard to get insurance for it!! 8O

14-11-2008, 18:03	#5
Deleted Member Guest Posts: n/a	*I'm assuming it's if you hit somebody else with it!! 8O*

14-11-2008, 18:07	#6
siweb Senior Member Join Date: Mar 2008 Location: Yorkshire Posts: 191	ah... what the bloke on the phone said "I was insured to tow but only up to 24ft in length" So I suppose if I was towing a 26ft van and had to make a claim for any reason my insurance would be void.