Hold On Gents,
Lets try and balance this out before its pistols at dawn!
Ray you posted that Green Flag recovery had a clause in their policy which limits their liability to trailers of no greater weight than the kerbweight of the car. I have found this in Green Flags published Terms and Conditions on Page 5 under Definitions.
http://www.greenflag.com/breakdown-cover/terms-conditions.html
The document is titled Terms and conditions, and thus is the definitive basis of their policy.
The company are perfectly at liberty to have any clause they like in their policies, as there content is not governed by regulation. Other than to preclude unlawful activity.
However, I think we have established that the clause is actually unworkable, firstly because a published "Kerbweight" figure is not a requirement, it has no legal definition and thus its value is difficult to establish with any certainty.
Secondly they have not clarified the definition if the "loaded weight" and as such it must be interpreted as the actual weight of the trailer, which as Surfer points out, they cannot know that unless they weigh it, and the they have no comparison figure for the "kerbweight" of the car, So they cant prove if A is bigger than B etc, thus they have no basis on which to enforce the clause.
However If they do decide to clarify the wording, then the only paper way they can do that will be relate to the cars Unladen weight and the trailers MTPLM. both of which are technically available in documentation. In which case Surfers outfit would fall foul of the clause, as could many other outfits.
But as it stands without the above clarification it is in my view unenforceable.