Message Forums

Quote: Originally posted by fife-bloke on 13/1/2014

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I think caravan insurance should be a legal requirement, but admittantly would be impossible to police

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Quote: Originally posted by Jack+Jon on 15/1/2014

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Quote: Originally posted by fife-bloke on 13/1/2014I think caravan insurance should be a legal requirement, but admittantly would be impossible to police

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It is a legal requirement where it is actually needed, which is for third party cover while towing & is included with the car insurance.

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Quote: Originally posted by Bob61 on 12/1/2014

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If I had a £22000 caravan I think I would be tempted to insure it but the caravan I used to own was worth less than £300 and I didn't insure it.

Take a look at your car insurance because mine covered the caravan whilst being towed or parked up and still attached to the car. I hadn't actually thought about whether I would be insured if the caravan broke free while under tow. I have a feeling I was covered for any accident while towing.

I felt that the cost of insuring it wasn't worth it for £300 and I couldn't think of any scenario whereby insurance might be required when in storage or on site, the only exception being if it slipped it's brake and careered off down the campsite bowling over everyone and everything in it's path but I thought that was highly unlikely with the steadies down.

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Quote: Originally posted by rushallmanor on 15/1/2014

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Also should the caravan become detached this could be a grey area.

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Quote: Originally posted by Jack+Jon on 15/1/2014

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Quote: Originally posted by rushallmanor on 15/1/2014Also should the caravan become detached this could be a grey area.

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It is not a grey area & if your point of contact with your car insurer(ie low paid call centre staff)suggest this then they are wrong. The caravan is insured by your car insurance while towing & read your caravan ins. t&c's, it will give you 3rd party cover, except when caravan is being towed because it is covered by the towcar insurance.

The caravan becoming detached while towing resulting in a 3rd party claim for damage caused would have to be treated no differently from roofbox/bikes/roofrack luggage etc becoming detached from car while driving.

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Quote: Originally posted by Jack+Jon on 15/1/2014

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Oh do stop splitting hairs, you know perfectly well what point I am putting across.....It is caravan owner's choice if they insure caravan. If they choose not to then they get nothing back for fire/damage/loss so if caravan is worth very little then they might choose not to.

Third party claims are a different matter & for these the caravan is covered by car insurance when towing.

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"I am not splitting hairs as your post gives the impression that the caravan is insured while being towed when it is not."

Funny that's not what the C&CC told me.

Quote: Originally posted by saxo1 on 15/1/2014

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"I am not splitting hairs as your post gives the impression that the caravan is insured while being towed when it is not"

"If you take out car insurance with Churchill, your caravan or trailer would be covered under the same policy as your vehicle when you are towing it but at third party only level."

Read it how you like but legally the caravan is insured under the car policy but only for third party risk.
saxo1

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