The 2 Tops
Swift Challenger Sport 524 VW Touran
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I am not confusing anything, Tentz. If you own a property, even if it's a caravan, and it caused damage to an adjacent one on a campsite, you would without question be liable at law. The fire brigades are very proficient at determining causes of fire, so proof of how it started would be of no difficulty to them. I cannot imagine how you arrive at the idea that you can claim indemnity in the event of your property causing damage/injury to a third party.
Regarding caravans under tow, yes they are covered for T.P.risks, but they are also subject to the Construction and Use Act for road vehicles; lights, tyres, mechanical maintenance for road worthiness, etc. You can get fines and/or points on your licence relating to the caravan, even if your towcar is in perfect condition.
Concerning the detached situation, I will obtain a professional, definitive answer after the hols. and report back, since this is a point of law that should be of interest to all of us.
The 2 Tops