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Subject Topic: 3rd Party Caravan Insurance
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13/2/2013 at 12:01pm
 Location: Romford Essex
 Outfit: Swift Charisma 550 + Kia Sorento SX
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Hi,

I'm concerned about 3rd Party cover on my Caravan when towing.

I have full comp on the car, but only 3rd party cover on the caravan whilst it is attached to my car.

I have the 5Cs cover (C Club) but this seems to cover in the event of theft.

So, what happens in the worst scenario, In France, Continental HGV collides with my caravan,causing me to stop/unable to follow HGV in the event he/she doesn't stop and unable to get his/her registration and my caravan is damaged.

Is there a Policey that covers this kind of incident.?

Would appreciate your comments.

Andy.



-------------
QUECHUA Base Seconds 4.1 + Seconds Base (standard).



June/July(3 weeks) Le- Papillon, Tarn Gorge,France 2012.Aug/Sept (3 weeks)2012. Les Mathevies, Dordogne, France



13/2/2013 at 12:21pm
 Location: Sitingbourne
 Outfit: baily champaign
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your caravan insurance would cover any damage to the caravan,& your car insurance should cover the recovery of both the car & the caravan in the instance you quote.

How ever if the same scenario happened, & the recovery costs were more than the market value of the car you would probably have to pay for the recovery of the caravan yourself.
Again If the accident happened while you were solo you may well find that the cost of picking up,& returning the caravan home would again fall on you.

The 3rd party element of your car insurance would cover damage caused BY your caravan/trailer to a 3rd party

This is the main reason why I personally use CC's Red pennant or The C&CC equivalent even though I have EU coverage on my Britannia breakdown cover


13/2/2013 at 1:25pm
 Location: Romford Essex
 Outfit: Swift Charisma 550 + Kia Sorento SX
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Thank you (Not so )Old Chap!!

Thats very interesting.

So my Caravan WOULD be coverd for damage (even if I coudn't get the Reg No of the offending vehicle).

I do have CC Mayday (for UK) & Red Pennant (for Europe).

So nothing to worry about then.(apart from my Car being written-off).

Thank you again.

Andy



-------------
QUECHUA Base Seconds 4.1 + Seconds Base (standard).



June/July(3 weeks) Le- Papillon, Tarn Gorge,France 2012.Aug/Sept (3 weeks)2012. Les Mathevies, Dordogne, France




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