Hi, I’m new to caravanning so it’s the first time towing one. I understand from my insurance company I’m only insured as third party when towing. Is this standard or can I find an insurance to cover as fully comp?
Car insurance when towing
- Thread starter MHOLLY
- Start date
Post #8 of the link below explains. If you wish to cover the caravan against damage when towing or elsewhere you need insurance for the caravan. So your insurer is correct in that when towing your van is covered for third party, but the car retains its comprehensive cover if that what you have.
forums.practicalcaravan.com
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Hi, thank you for replying. I have insurance for the caravan but I was led to believe the fully comp car insurance becomes 3rd party when towing. Is this normal?Post #8 of the link below explains. If you wish to cover the caravan against damage when towing or elsewhere you need insurance for the caravan. So your insurer is correct in that when towing your van is covered for third party, but the car retains its comprehensive cover if that what you have.
Time to get through French ports
Hi ,We have not used been on a ferry to France since before Brexit, I'm presuming the days of being waved off the boat and out of the port in a matter of minutes have gone! how long should we expect it to take these days, we will be traveling to St-Malo later in the year on what I'd imagine...
As in my above post I said the caravan is third party risks when being towed but the car retains fully comprehensive if that’s it’s normal insurance cover. You seem to have asked the same question again. I’ve never had my car insurance reduced to third party when towing. I suggest you seek clarity from your car insurers or change insurer.
Thanks, could you please update us on the outcome. And apologies but welcome to the Forum. Hope you have many happy days with the caravan.
Hi, I’ve checked and I’m only insured for 3rd party when towing! Anyone suggest an insurance which is fully comp when towing?
thanks in advance.
thanks in advance.
First just to make sure you differentiate between caravan a car insurance WHILEST towing.
Caravan insurance is optional and covers fire and theft and damage on-site, or damage to others caused by your van. It does not cover whilst towing. That is covered by your car insurance.
Insurers can impose their own terms, But my experience is as OC’s My car is fully comp which is what I paid for, but the van will be 3rd party only.
If your insurer wants to reduce your car to third party I suggest you look elsewhere. There are many options and what works for one person can strangely be very expensive for another. But try Liverpool Victoria, works for me.
Whoever you choose, make sure you tell them you have a tow bar fitted.
John
Caravan insurance is optional and covers fire and theft and damage on-site, or damage to others caused by your van. It does not cover whilst towing. That is covered by your car insurance.
Insurers can impose their own terms, But my experience is as OC’s My car is fully comp which is what I paid for, but the van will be 3rd party only.
If your insurer wants to reduce your car to third party I suggest you look elsewhere. There are many options and what works for one person can strangely be very expensive for another. But try Liverpool Victoria, works for me.
Whoever you choose, make sure you tell them you have a tow bar fitted.
John
I have used LV for years now and before that when it was Frizzels. But there are many motor insurers used by members of the Forum so finding a suitable one should not be difficult.
Whatever is being towed has no influence on the cover being orovided by the car insurers.
My suspicion is that whoever you spoke to didn't understand the question, either that or doesn't understand the cover.
I would advise you to write (or email) your cars insurer and ask the specific question. "When towing a caravan will I still have comprehensive cover ON MY CAR"
I have never heard of an insurer reducing cover when towing.
My suspicion is that whoever you spoke to didn't understand the question, either that or doesn't understand the cover.
I would advise you to write (or email) your cars insurer and ask the specific question. "When towing a caravan will I still have comprehensive cover ON MY CAR"
I have never heard of an insurer reducing cover when towing.
I agree that there seems to be a misunderstanding and it may be illegal for any insurer to have that sort of Unfair clause. However if the car is not rated for towing or the caravan weighs more than the car can legally tow, then maybe a different outcome?
If the car isn't rated for towing then the insurer wouldnt offer any cover when towing rather than just reduce the extent of it.
The only way of getting a definitive (and legally binding) answer is to get a written response from the insurer to the specific question. Anything else is just speculation, and that's of no use in the event of a claim.
If there is nothing in the insurance policy (not the certificate, the policy) about the cover reducing when towing then the cover remains the same. I still think the person spoken to didn't understand the question, or the question wasn't worded correctly, hence my advice to put the question in writing and asking for a written reply.
The only way of getting a definitive (and legally binding) answer is to get a written response from the insurer to the specific question. Anything else is just speculation, and that's of no use in the event of a claim.
If there is nothing in the insurance policy (not the certificate, the policy) about the cover reducing when towing then the cover remains the same. I still think the person spoken to didn't understand the question, or the question wasn't worded correctly, hence my advice to put the question in writing and asking for a written reply.
Finally! I have an answer from my insurer after asking the same question 11 times so it wasn’t clear. i now have confirmed that my fully comp when towing - yes!!
That’s a good result, pity it took so many attempts. I sincerely hope you never have to make a claim through them 😂
Excellent, and exactly what I expected the answer would be.
Thanks for returning and letting us know the result too!,
Thanks for returning and letting us know the result too!,
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