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hi

could somebody clear up a point about insurance when towing a caravan,

i understand that your van is not covered by your car insurance for accidental damage etc, also that caravan insurance only covers against theft or damage while not hitched up, any advice would be welcomed regarding cover whilst being towed

thanks

dave

Quote: Originally posted by davetree on 19/3/2009

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hi

i understand that your van is not covered by your car insurance for accidental damage etc, also that caravan insurance only covers against theft or damage while not hitched up, any advice would be welcomed regarding cover whilst being towed

thanks

dave

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Hi Dave.

I am sure your caravan insurance covers you while towing. There would be no point in having it otherwise. More likely to be bashed than stolen I would think. Your car will not be covered while towing unless you tell them you have a towbar and use it for towing. This is most important!!

hi john

you are correct, i have just cleared it up and told my motor insurers also.

the issue arose when friends of ours bought a van and some friends of theirs said they did not insure   because  they thought you were not covered.

thanks for the help

dave

No problem. Glad you have sorted it.

Gazza

If the car was supplied with the extra option by the manufacturer then it is not a modification. If you add anything that is screwed or bolted to the vehicle then it is and this includes engine modification!

If you add a tow bar then you must inform the insurance company. There is no arguement. Have an accident and they may refuse to pay because you did not inform them.

Quote: Originally posted by Grampian91 on 20/3/2009

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The towbar was fitted by the dealer before you purchased it. So it is just an optional extra.

Not a modification.

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Don't agree. Whether it was fitted by the dealer or not, it is still a modification to the original vehicle. The manufacturer of the vehicle would never offer it as an optional extra. The insurance company are the people that matter and they won't know a tow bar is on the vehicle unless you tell them!!!