Breakdown cover

[Buckman]

The question was raised on another caravan forum that if the caravan is on a caravan site, but while out and about and away from the caravan, the vehicle is involved in a mishap, what happens with the caravan as the car has not broken down, it has been involved in a RTA therefore the breakdown company may not be obligated to tow the caravan home. There have been various answers, but none conclusive.

 

[otherclive]

My breakdown does not cover RTA.

 

[Buckman]

My breakdown does not cover RTA.

The question is about the caravan on site and not the vehicle.

 

[otherclive]

The question is about the caravan on site and not the vehicle.

If I recall correctly Mayday would not recover the caravan in the event of a car having a RTA, despite the Dual recovery clause. But Red Pennant would, even from abroad. Users really need to read their policy T&Cs

 

[Buckman]

If I recall correctly Mayday would not recover the caravan in the event of a car having a RTA, despite the Dual recovery clause. But Red Pennant would, even from abroad. Users really need to read their policy T&Cs

However i don't think Red Pennant applies to the UK, only abroad? Chances of hiring a car or SUV with a tow bar could be difficult.

However I if the other party is at fault maybe one could claim the cost off the other party? Maybe a third party claim?

 

[Dustydog]

My Mayday specifically cover breakdown and recovery, not accidents.

 

[otherclive]

However i don't think Red Pennant applies to the UK, only abroad? Chances of hiring a car or SUV with a tow bar could be difficult.

However I if the other party is at fault maybe one could claim the cost off the other party? Maybe a third party claim?

Perhaps I could have defined Red Pennant a bit clearer, but it does cover you in UK for the journey from home to your departure point, and same for return journey. But it's an overseas holiday insurance not Breakdown Insurance, the subject of your thread.

 

[Buckman]

Perhaps I could have defined Red Pennant a bit clearer, but it does cover you in UK for the journey from home to your departure point, and same for return journey. But it's an overseas holiday insurance not Breakdown Insurance, the subject of your thread.

I apologise for not making it crystal clear that the post was regarding an event in the UK and not when travelling abroad.

 

[RogerL]

If I recall correctly Mayday would not recover the caravan in the event of a car having a RTA, despite the Dual recovery clause. But Red Pennant would, even from abroad. Users really need to read their policy T&Cs

Twice now, Mayday (Green Flag) have recovered my car after a RTC and then picked up the caravan from site as I wasn't towing at time of RTC.

Very useful as the car insurance would only have paid to recover the car on it's own.

 

[Buckman]

Twice now, Mayday (Green Flag) have recovered my car after a RTC and then picked up the caravan from site as I wasn't towing at time of RTC.

Very useful as the car insurance would only have paid to recover the car on it's own.

Can you please let us know when you are on the road and where you are going? Thanks.

 

[RogerL]

Can you please let us know when you are on the road and where you are going? Thanks.

Not a good 4 year period that - thankfully not repeated.

 

[Steve1962]

Can you please let us know when you are on the road and where you are going? Thanks.

…. And I could offer my vast practical experience 🤣🤣🤣🤣🤣🤣🤣

 

[ProfJohnL]

Yet again this is the sort of question that draws many opinions that are often not backed by hard evidence.
The answer is consult you insurance cover, which may vary from company to company as to the detail in these circumstances.

 

[Buckman]

Yet again this is the sort of question that draws many opinions that are often not backed by hard evidence.
The answer is consult you insurance cover, which may vary from company to company as to the detail in these circumstances.

Gee whiz I never thought of that?

 

[Dustydog]

Yet again this is the sort of question that draws many opinions that are often not backed by hard evidence.
The answer is consult you insurance cover, which may vary from company to company as to the detail in these circumstances.

All the answers I read were based on personal real time experience quoting their underwriter. That’s good enough for here isn’t it😉

 

[Buckman]

All the answers I read were based on personal real time experience quoting their underwriter. That’s good enough for here isn’t it😉

I always thought forums were for discussion, exchanging ideas and making people aware of issues. I wonder how many people on here thought about being involved in a RTA and the vehicle not been fit to tow and the caravan is on a site and needed to be taken home?

 

[RogerL]

Yet again this is the sort of question that draws many opinions that are often not backed by hard evidence.
The answer is consult you insurance cover, which may vary from company to company as to the detail in these circumstances.

Not sure what hard evidence you expect - the actual experience of individuals is surely evidence enough?

 

[otherclive]

There’s a dichotomy here in that Dusty’s Mayday doesn’t cover accidents, yet Roger’s Mayday have twice collected his car and then his caravan after a RTA. No wonder the discussion on other forums that prompted this thread came to nothing.

 

[RogerL]

There’s a dichotomy here in that Dusty’s Mayday doesn’t cover accidents, yet Roger’s Mayday have twice collected his car and then his caravan after a RTA. No wonder the discussion on other forums that prompted this thread came to nothing.

In my case it may have been my wording when I phoned for assistance - it wasn't deliberate on my part but I didn't refer to a RTC, simply said the car was immobile - in one case as the front suspension was broken but in the other case the car was "parked" around a tree!

I haven't actually checked the wording in the policy booklet.

 

[Dustydog]

I’ve now reviewed my whole policy wording and indeed spoken to an underwriter , Lisa, at U.K. Insurance who provide the CAMC Mayday breakdown cover. She was unsure and referred it to her Manager.
There are three levels of Mayday Cover. My comments here relate to the Premium U.K. cover.
1.Car and caravan involved in an RTA. They will recover both . However if specialist lifting equipment is required , something not usually on the breakdown truck I will have to pay. Otherwise both car and caravan will be shipped to address of my choice.

2.An RTA happens to car whilst Caravan pitched up on site. Car will be dealt with subject to 1 above. Caravan will be recovered separately and taken to destination of my choice .

That explains it I hope and thus I understand why Roger enjoyed their service.
The policy booklet mentions the word “accident” once in the main 22 pages and then on the back page !

 

[otherclive]

I’ve now reviewed my whole policy wording and indeed spoken to an underwriter , Lisa, at U.K. Insurance who provide the CAMC Mayday breakdown cover. She was unsure and referred it to her Manager.
There are three levels of Mayday Cover. My comments here relate to the Premium U.K. cover.
1.Car and caravan involved in an RTA. They will recover both . However if specialist lifting equipment is required , something not usually on the breakdown truck I will have to pay. Otherwise both car and caravan will be shipped to address of my choice.

2.An RTA happens to car whilst Caravan pitched up on site. Car will be dealt with subject to 1 above. Caravan will be recovered separately and taken to destination of my choice .

That explains it I hope and thus I understand why Roger enjoyed their service.
The policy booklet mentions the word “accident” once in the main 22 pages and then on the back page !

Thanks for the update. A good service from Mayday.

 

[ProfJohnL]

The subject is worthy of discussion as it bring awareness of a possible problem, but the application is totally dependant on the policy wording and the circumstances of the claim, which clearly is not common to all situations.

Simply knowing that "The Bloggs" did have their caravan collected has no value unless the full circumstances and the name of the insurer and the cover used is provided. But even that is of no use if you don't have the same policy or the circumstances are different.

Each person has to look at their policy details to establish if the caravan will also be picked up. If its not clear clarify it with your insurer.

 

[otherclive]

I think we are all grown up enough to understand that the service offered is policy specific. Your post basically repeats your #13 only not so succinct.

 

[Dustydog]

Buckman raised a very important issue. All answers have been policy specific and are not comments fired from the hip. It’s good to see Forumites answering with demonstrable evidences.

 

[Buckman]

I’ve now reviewed my whole policy wording and indeed spoken to an underwriter , Lisa, at U.K. Insurance who provide the CAMC Mayday breakdown cover. She was unsure and referred it to her Manager.
There are three levels of Mayday Cover. My comments here relate to the Premium U.K. cover.
1.Car and caravan involved in an RTA. They will recover both . However if specialist lifting equipment is required , something not usually on the breakdown truck I will have to pay. Otherwise both car and caravan will be shipped to address of my choice.

2.An RTA happens to car whilst Caravan pitched up on site. Car will be dealt with subject to 1 above. Caravan will be recovered separately and taken to destination of my choice .

That explains it I hope and thus I understand why Roger enjoyed their service.
The policy booklet mentions the word “accident” once in the main 22 pages and then on the back page !

Brilliant and I am sure many with Mayday cover will be pleased with the above information. We have the Premium cover which also includes chauffeur if required. Although OH has a full driving licence there is no way she could drive the Jeep to tow back the caravan as she feels she is not competent.