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Subject Topic: Accident while towing?
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Personbofs
25/5/2019 at 1:34pm
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It's renewal time for our car insurance and it's just occurred to me - if we had an accident whilst towing and the car was damaged (and unable to be driven), how would we get the caravan recovered?
It's not covered under the car insurance and if the caravan wasn't damaged, not by the caravan insurance either, and presumably not by the breakdown insurance as the car has not actually broken down and would be recovered by the insurance company.


PersonSGThomas
25/5/2019 at 2:03pm
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We have ADAC cover which would cover the retrieval. Surely the AA will do so?


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Personbofs
25/5/2019 at 2:32pm
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So under the breakdown cover then?


Personmarg6
25/5/2019 at 5:05pm
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Quote: Originally posted by bofs on 25/5/2019
It's renewal time for our car insurance and it's just occurred to me - if we had an accident whilst towing and the car was damaged (and unable to be driven), how would we get the caravan recovered?
It's not covered under the car insurance and if the caravan wasn't damaged, not by the caravan insurance either, and presumably not by the breakdown insurance as the car has not actually broken down and would be recovered by the insurance company.


in those circumstances your caravan or anything else your car was towing is covered, and a suitable recovery vehicle would be sent to collect everything that is law!


PersonGrampian91
25/5/2019 at 6:42pm
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The cars not broken down so breakdown cover wont apply.

If the cars undriveable then the company collecting your car should be able to tow the caravan. Where they take it will depend on your insurance.

It may goto the repairers or they may take it to your home/campsite.

The breakdown company may recover the caravan at your cost, you maybe able to recover that from the insurance though.


A couple of years back i was talking to another camper and he had issues after an accident with his caravan fairly close to the campsite.
Breakdown said its not broken down its an accident and for some reason his insurance couldn't recover it.
I cannot remember all the details but he was not happy.


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Personsaxo1
25/5/2019 at 7:10pm
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Most car insurance policies will automatically recover the caravan but not all.They are only required to provide third party insurance for the towed non motorised vehicle not necessarily recovery of an undamaged caravan.
saxo1


Personbofs
25/5/2019 at 10:12pm
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Thank you for your replies - looks like it’s something I need to check with whoever I decide to renew with.


Personbofs
26/5/2019 at 5:34pm
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Well, I've been on the phone to the two insurance companies I'm considering for my car insurance before making my final decision.
Saga said they would not recover the caravan, just the car and LV said of course they would recover the caravan as well as the car.
Looks like I'm staying with LV for another year then!
I must admit it's not something I'd ever considered before.


PersonGrandad Kenny
26/5/2019 at 6:30pm
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Oh, I'm with Saga, will check my policy now.....


Persondaleswalker
30/5/2019 at 11:23am
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Green Flag breakdown cover through CMC covers recovery of vehicle and associated caravan (dependant on level of cover)after an "insured Incident" which includes "immobilisation of insured vehicle as a result of breakdown, road accident, theft or attempted theft, malicious damage, accidental damage, fire, flat tyre, lack of fuel, loss or breakage of keys or as a result of being parked on soft ground.

So pretty comprehensive!!!


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Personbofs
30/5/2019 at 4:15pm
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Quote: Originally posted by daleswalker on 30/5/2019
Green Flag breakdown cover through CMC covers recovery of vehicle and associated caravan (dependant on level of cover)after an "insured Incident" which includes "immobilisation of insured vehicle as a result of breakdown, road accident, theft or attempted theft, malicious damage, accidental damage, fire, flat tyre, lack of fuel, loss or breakage of keys or as a result of being parked on soft ground.

So pretty comprehensive!!!


Thanks Daleswalker - useful to know.


PersonJTQU
30/5/2019 at 4:16pm
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We similarly are with Green Flag car caravan "breakdown insurance" to cover any conceivable situation and remove that sort of hassle at a time when we had hassle enough.

In the scale of our combined motoring and caravanning hobby annual cost the £120 odd extra we pay for both cars to be covered fades into pretty "small beer" territory.

If Green Flag want to chase my vehicle insurers to recover their costs then that's their choice, all we want is to know help is there when desperately in need of it. Been there twice, more hassle is definitly not needed.


PersonPaul_B
30/5/2019 at 4:41pm
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I'm with Mayday and they cover it, its the GreenFlag with extras for caravan club members


Personthechief
30/5/2019 at 5:07pm
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+1 for Mayday Breakdown too - Pretty comprehensive peace of mind I would say.


PersonRay Clayton
30/5/2019 at 5:25pm
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Hi
I make a point saying i tow with my car insurance.
Even if the caravan is insured, and i have breakdown cove, i would expect the car insurance to cover it, if i was towing at the time.



-------------
Cheers
Ray

Discovery 4 & Bailey Barcelona 4







Personsaxo1
30/5/2019 at 5:33pm
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Mayday is breakdown cover which is purchased in addition to a car insurance policy.
The OP wanted to know if the caravan would be recovered under the car insurance policy if the car was undriveable but the caravan was undamaged,as stated some may recover the van others may not.
saxo1



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