"When being towed on a public road it is a legal requirement under the Road Traffic Act and subsequent amendments that your caravan (or other trailer) is covered for a minimum level of third party liability by a motor insurance certificate. Only the company that provides the motor insurance certificate, for your car, can provide this cover and you need to check with them that it is not excluded. Most private motor policies include this cover as standard."
As above you do need to check that it isn't excluded it isn't necessarily a foregone conclusion that it is insured but it is the norm.
Quote: Originally posted by rushallmanor on 16/1/2014
Not all insurance policies are the same.
An insurance policy that states it covers a trailer or caravan for 3rd party risks while being towed is in fact covering the whole outfit as one entity for those 3rd party risks. If the insurance states those risks are covered then they cannot refuse 3rd party claims for damage caused by any part of that vehicle if it detaches itself from that vehicle in the course of an accident because the insurance covers all 3rd party claims resulting from the accident.
------------- Regards, Jack+Jon.
Discounted Insurance Quotes for UKCampsite.co.uk visitors! Up to 22.5% off!
In laymans terms you are covered to tow a caravan on your car policy and if your caravan breaks away from the car whilst towing and hits another car, caravan or a 747 aeroplane then the damage to them is covered.
Unfortunately your own caravan damage is not covered by your car Insurance.
You would need to take out separate Insurance for your caravan for any such damage to be covered.
This has already been said several times on this thread and here we are on page four
------------- It is a wise man who has something to say.
It is a fool who has to say something.
I haven't insured my caravan, its a 2007 Elldis 556 barrons, mainly because it has a winter Hoff hitch and no hitchlock, that was a pre requisite of the caravan insurance and I have never got around to actually getting 1 so therefore no insurance.
I really should though because my caravan was at risk of flooding in the tidal surge a few weeks ago and I was stuck offshore and could do nothing about it.
It would depend on a couple of things really ,
1,how much is caravan worth
2,how much money are you willing to spend to replace van.
on a £22000 van its a no brainer for most people,who has that sort of monet kicking around.
If van only cost 300 quid, although a lot of money for some,cost of insurance might be more than that so sensible to take the hit,having said that contents should be insured but may be covered on your house insurance.So really you pays your money and takes your choise,annoying saying I know lol
I have good reason for not insuring my van. It's worth +/- £1000, to insure it they want £400/year and an excess of £600. I've saved in a year. They say it's because of my age (25) therefore I'm inexperienced at towing. The fact I've had a caravan for 7 years and I'm a class 1 HGV driver is apparently irrelevant.....
I agree with all the points here regarding age of the van and if it is financially worth insuring it but things to also consider are
The value of the van is the value the insurance company set at the point of claim and not what it may have cost you to purchase, often two very different figures.
Insurance on a van is different for us on a seasonal pitch as opposed to one that is used for touring. The main part being Awning and contents cover is a much higher cost.
But another thing to remember is if the Van has been bought on a Finance agreement then most of these insist on it being insured. Obviously hard for them to make sure you have done so but in the event of total loss you are still liable to keep paying for it if not covered.
Depends on the value really but double and treble check all the policy schedule before agreeing to any policy as no point finding out things arnt covered should you ever have to make a claim.