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Car breakdown/recovery insurance generally(but not always with the cheapest cover)recovers car & any trailer or caravan, provided it is the car that is broken down or accident damaged. What most won't do is recover a trailer/caravan if car is ok & driveable. ie if trailer is(say)hit or has mechanical breakdown(wheelbearing perhaps)& car is unaffected, then no recovery.
For caravans, separate caravan insurance covers recovery of 'van only, so I guess you would need also to insure trailer separately.
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