Hello out there!

As a woman of a certain age I think I may be losing brain cells because I can't quite get my head round the business of insuring our folding camper.  Does the liability of towing on the roads come under the car insurance or the camper insurance and is the camper itself never covered whilst being towed?  Do the different companies differ on this point?

Could some knowledgeable person please explain this to me - I want to know I have it right!

Thanks.

The camper insurance also covers your liability whilst on site unattached to the car. ie damage caused to other campers by fire etc.

When it's not attached to the car it's an entity in it's own right and needs insurance cover.

pieface

Quote: Originally posted by RosieBlue on 08/7/2011

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Thanks - I would never have thought about the towbar being a modification!  My hubby is finding the documents to ring the insurers now.

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I will be interested to know if this is the case because when I had a towbar fitted and asked the insurance company if they needed to know I was going to tow a caravan they told me that my normal car insurance already covered me for towing and they didn't really need to be told.

I no longer have a caravan but I obviously still have the towbar but I have never seen anything in subsequent insurance applications that suggests I should tell them I have a towbar.

Same here, I've had at least one insurance company say that they cannot insure the car since it has been modified even though the towbar was fitted by kia.  Also had other companies who have said that my towbar is not classed as a modification.  On a similar note OH has had his brakes on his MG TF up-rated and this is also classed as a modification and has resulted in  an increase in his insurance eventhough he can now stop quickly.

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You need to inform your car insurance that you are towing, as a towbar is counted as a modification unless it was factory fitted.

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I am with Swiftcover and this is what they say about 'modifications'. Towbars don't seem to come under any of these headings. 

Car Insurance -
Jargon Buster

Modifications

This is when the car's engine, suspension or body has been altered after it was manufactured.

The most common modifications are alloy wheels, spoiler, sunroof and any performance enhancements.