Our Coachman caravan has alloy wheels and a steel spare. Following a puncture at home, my husband put the spare on with the alloys nuts, torqued it up etc. We went five miles and the wheel came off. We were driving slowly, so luckily the damage was the hub, nuts, new spare wheel and mudguard. The insurers say they will not pay for the hub, wheel or nuts. Coachman have said we were correct to use the nuts we did and they have not had any problems. Has anyone any comments to make ?