I think you would need to ring and ask how they would deal with this situation. If you have double cover as in this example the insurers would have to split the claim between them, you do not have the option of choosing which to se although whoever you notify would have to deal first and ask the other for a contribution later. In practice I would use the specialist policy rather than the Volvo one as they can deal with both the car and caravan at once. with them able to move both bits to different locations as needed.