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just thumbing through the policy booklet from caravan guard.
under sect 2 liability to the public an exclusion in

"the use of the caravan when being towed, including if it becomes detached from the towing vehicle (this cover should be provided by the insurers of the towing vehicle)"

this clause caused me some confusion.
are they saying that any third party liability will not be covered while the van is being towed whether it stays hitch or detaches itself in transit ?

i contacted them and questioned the clause as the word "use" is not defined but the wording "not in use" is.

the reply was that "use" meant the opposite to "not in use" ie when the caravan is "not in use" and occupied for holiday purposes.

they assured me that cover would be met as long as their was no one in the van "using" it at the time of the transportation ie someone sat in it as you were driving along. a road traffic offence in any case.

i am still not entirely comfortible with the poor definition of "use" and asked for a written clarification, they declined but said they would look at revising the policy wording.

your thoughts and experience on this please.

i have emailed them and await a response.

mat