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Subject Topic: Roofbox on a trailer Post Reply Post New Topic
Message posted by Robbo1876 on 19/7/2017 at 10:58am
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I have an Erde 142 with a lid and load bars. I am considering putting the roofbox on the trailer and filling it with the lighter stuff, like bedding and clothing.

Is this legal? Advisable? I am concerned that it may make the trailer unstable but I really don't know! I guess the overall weight is a factor.

Another thought was putting four bikes on top of the trailer but, again, I am unsure of how safe this will be.

Advice most welcome.

Message posted by The Survivors on 19/7/2017 at 1:28pm
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We have a Daxara 148 trailer (same as an Erde 143) and have for many years used it with a roofbox. It does not have a lid just load bars.

We used it in May from Lancashire to Cornwall, due to a change of car from an estate car to a saloon the poles for the Bear Lake were in the roofbox on the trailer. So quite a bit of weight in the box. This was however well within the allowable weights of the loadbars and the roofbox.

There is no sign of being unstable. In fact the trailer tows exactly the same as without the box on it.

We have just, however, added the extension sides and will no longer use it with the roofbox as the extension sides have doubled the capacity of the trailer.

From a legal point of view as long as you load the trailer and the load bars well within the allowable weights of the trailer, bars and towing capacity of the car then there is no problem. Just be sure it is loaded correctly, safely and securely.

Cheers,

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Bodmin August 2017

Message posted by tango55 on 19/7/2017 at 3:59pm
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If you contact your vehicle insurance company you will find that a trailer will be covered and so will a roofbox if it is securely clamped on the roof of the vehicle where it is designed to be fitted. After all, that's why it's specifically called a roof box and not a trailer attachment so if your trailer and equipment gets damaged by a third party, don't be surprised if the insurance refuses to acknowledge a claim for the roofbox being clamped to the lid of a trailer.

Message posted by JoggingHippo on 19/7/2017 at 8:24pm
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I used to have bikes on trailer but have now switched. Bikes on car and roofbox on trailer. Otherwise once you have set up, if you need to drive somewhere before using the bikes you have to take the trailer as well!

As long as you don't exceed the weight, I don't see it being a problem

Message posted by The Survivors on 19/7/2017 at 11:37pm
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Most fully comprehensive car policies only cover the trailer for third party and not the contents or replacement of the trailer. So if your trailer damages someone else's property you are covered. This covers damage to any property that is not yours, be it a trailer, another car, a roofbox attached to someone else's trailer etc.

If the trailer and roofbox are damaged by a third party then their insurance should cover it as they have damaged your property, the claim us off their insurance not yours so you are wrong I what you say Tango.

To cover a trailer you are towing in a fully comprehensive way you either need to extend your existing cover (a lot of insurance companies won't) or simply buy a separate policy to cover the trailer along with whatever if is carrying. The roofbox and its contents in this case is simply part of the load the trailer is carrying. Whatever the case if you are going for separate cover or extended cover just tell them you will be carrying a roofbox as part of the trailers load.

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Bodmin August 2017

Message posted by Robbo1876 on 20/7/2017 at 6:21pm
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I have just checked with my insurance co. - I have a separate policy for the trailer. They said there was no problem carrying the roofbox on the trailer but it is not covered by the trailer insurance. They are going to confirm, next week, that it is covered by my car policy!



Message posted by tango55 on 20/7/2017 at 8:16pm
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Quote: Originally posted by Robbo1876 on 20/7/2017
I have just checked with my insurance co. - I have a separate policy for the trailer. They said there was no problem carrying the roofbox on the trailer but it is not covered by the trailer insurance. They are going to confirm, next week, that it is covered by my car policy!






So basically I was right in what I said in my previous post even though 'The Survivors' decided to contradict my comments. At least you now have the answer from the right people (the insurance company) in order to ensure that your roofbox IS properly covered in the case of damage for any reason.







Message posted by The Survivors on 21/7/2017 at 9:06pm
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Quote: Originally posted by tango55 on 19/7/2017
After all, that's why it's specifically called a roof box and not a trailer attachment so if your trailer and equipment gets damaged by a third party, don't be surprised if the insurance refuses to acknowledge a claim for the roofbox being clamped to the lid of a trailer.



If you read what you put you have said I did not just decide to contradict you, I stated an opinion based on fact. You state as quoted above if it is damaged by a third party don't be surprised if the insurance refuses to acknowledge a claim. If a third party causes damage to your property it is their insurance that should pay out not yours.

If a third party damages any of your property they have to pay out, that is the point of third party cover. Be it a garden wall, another car, trailer and it's contents, a bike they crush etc. What I said was correct. You were not right, you were talking about damage received from someone else, not a claim on your own insurance for damage caused by your fault to your own trailer.

I also said check with your insurance company or get extra cover, and tell them about the roofbox to check if it would be covered.

Cheers

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Bodmin August 2017

Message posted by tango55 on 21/7/2017 at 9:16pm
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Quote: Originally posted by The Survivors on 21/7/2017
Quote: Originally posted by tango55 on 19/7/2017
After all, that's why it's specifically called a roof box and not a trailer attachment so if your trailer and equipment gets damaged by a third party, don't be surprised if the insurance refuses to acknowledge a claim for the roofbox being clamped to the lid of a trailer.



If you read what you put you have said I did not just decide to contradict you, I stated an opinion based on fact. You state as quoted above if it is damaged by a third party don't be surprised if the insurance refuses to acknowledge a claim. If a third party causes damage to your property it is their insurance that should pay out not yours.

If a third party damages any of your property they have to pay out, that is the point of third party cover. Be it a garden wall, another car, trailer and it's contents, a bike they crush etc. What I said was correct. You were not right, you were talking about damage received from someone else, not a claim on your own insurance for damage caused by your fault to your own trailer.

I also said check with your insurance company or get extra cover, and tell them about the roofbox to check if it would be covered.

Cheers



Your reply was as follows:
If the trailer and roofbox are damaged by a third party then their insurance should cover it as they have damaged your property, the claim us off their insurance not yours so you are wrong I what you say Tango.

          ______________________________________


The roofbox wasn't covered under the trailer insurance so it has now been included to the car insurance to ensure that it is insured so I'm afraid you are wrong saying that the roofbox was automatically covered under the trailer insurance. The roofbox wouldn't have been covered so that sounds very much like a contradiction to me.


Message posted by The Survivors on 21/7/2017 at 9:57pm
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I disagree, if a third party damages your property it is covered by their insurance no matter what property they damage or where it is.

Where on earth did I say it is automatically covered on the insurance. It is only covered third party by the drivers/owners insurance.

BUT if a roofbox is in your trailer and is hit by someone else it is covered by their third party insurance if it is their fault. They have damaged your propery, they pay out if it is on a trailer or not. It does not matter if your insurance does not cover it, the third party insurance does cover it.

There is no contradiction.

Your post stated don't be surprised if the insurance does not pay if a third party damages your roofbox if clamped to a trailer. If the third party has damaged it you are claiming off their insurance not yours. Third party insurance covers damage the insured driver for damage caused to property owned by others, it does not matter where that property is, even if it is a roofbox on someone else's trailer.



Post last edited on 21/07/2017 22:01:57

Post last edited on 21/07/2017 22:02:30

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Bodmin August 2017

Message posted by tango55 on 22/7/2017 at 12:26am
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If a third party hits you and it's their fault, the process is that you submit the excess fee on YOUR policy agreement (if insured fully comprehensive) and make the claim on your own insurance first to get the repairs done. The insurances then settle the claim to which the guilty party's insurance will then forward the total sum of the claim to YOUR insurance company which includes the reimbursement of the excess fee paid. However, if the roofbox or any other items that are not covered under the said insurance the insurance won't pay out for, it's a simple as that.
Even with home and contents insurance, you have to declare what items are being taken out of the home on holiday and an item such as a camera you have to declare the make, model and even product number otherwise they will refuse to pay out in the event of a claim.


Message posted by The Survivors on 22/7/2017 at 5:59pm
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The point is that if it is not covered under your insurance is irrelevant. You do not need to have an item of your property insured to be able to claim off someone else's insurance. You do not need to go thorough your insurance, you can claim directly off the offenders insurance. Maybe your insurance will not pay out, but for items not covered by your insurance you can, and have a right to claim directly from their insurance. The third party complulsory insurance required by law for all drivers is to cover damage to other people's property, it does not matter if they have it insured or not. Hence the reclaim for an excess from the other persons insurance, the excess is the first £XXX of your property not covered by your insurance so you reclaim it from their insurance.

Local authorities often do not insure their properties fully comprehensively. If you car damages them the reclaim from you, they do not necessarily go through their insurance but claim directly from your insurance. Birmingham maintains a self insurance fund for example, this fund was valued at £8.3 million in May 2016. This fund is used to cover general claims, full public and employers liability insurances are held by them however as this is a legal requirement. Thus if you damage certain council properties with a vehicle in Birmingham and other authorities they make a claim directly to your insurance company. As I would against your insurance company if you damaged a roofbox and contents I might have attached to the top of my trailer. It's simply a claim for uninsured losses.



Post last edited on 22/07/2017 18:28:02

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Bodmin August 2017


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