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I had this when I had a company car

I insured the caravan for 3rd party risks including any damage to towing car (sureterm Direct do this I think)

I suspect your employers are trying to dissuade you from towing.

There is only one way to see if you are covered or not --  Look at the Motor Insurance Certificate.  If it does not exclude "Towing a caravan" then it is covered whatever your employers say.

DaveS1

Quote: Originally posted by geoff+emmy on 09/7/2012

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Well I have just looked on Sureterm,s website and sure enough it says caravan quotes unavailable, I wonder why they have given up they insured our Conqueror in jan no problem O r do you think its the weather?and floods etc Lots of claims

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There is still some misunderstanding here, I think.

1)  The insurance you have personnally taken out for your Coway will cover the trailer for whatever risks you have insured it for ( usually accidental damage ) whether or not you are actually towing the trailer.  If this is not the case then I suggest you change insurers.

2) Your concern seems to be with your employer's motor insurers.  I know of no insurer who excludes towing such a trailer but the only way to check is to read the Motor Insurance Certificate.  ( It will be mentioned under either "Limitations as to use" or "The policy does not cover" about halfway down the certificate )  If it is not specifically excluded then Road Traffic Act cover will apply whatever your employer says.

3) Similarly I know of no insurer who will provide Road Traffic Act cover on a trailer alone.

Whether or not your employer allows you to fit a tow-bar is another matter and nothing to do with insurance. 

DaveS1