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We have our car insured through the CC and for the Disco we find their rates very competative i.e among the cheapest.

I am confused by your last bit of the sentance 'and is it competative with caravan in tow'.  As far as I am aware, whether you tow a caravan or not does not effect your car insurance.  You caravan should be insured seperately, but as far as I'm aware, it is not law to insure the caravan.  The way I understand it is as follows: 

If you are involved in an accident where you are to blame and you are towing, and your caravan is not insured, then the other person can claim off your car insurance.  In this case your caravan is not covered, and therefore you will have to bare the cost of repair to the caravan yourself.  If it is the other person's fault then you can claim off the other person's insurance for the car, but I suspect you may have to fight for compensation for damage to your caravan - you car insurance company may not fight for you as I suspect they are under no obligation.

If you are involved in an accident where you are to blame and you are towing, and your caravan is insured, the other person will still claim off your car insurance.  If your caravan sustains damage, it is covered through your caravan insurance.  If it is the other person's fault then you can claim off the other person's insurance for the car, and you leave the caravan insurance company to fight it out with the other person's car insurance - whatever the result, you will be covered by your caravan insurance company who may be able to recover the money from the other person's car insurance.

For peace of mind, I'd make sure that the caravan has it's own seperate insurance.  If your caravan was not insured and it became/was detatched from the car and caused damage, then it is conceivable that the car insurance would not be involved.  In such a case, the other person's insurance company would presumable take steps to recover any money from you personally to cover any damage to his/her property.

This is the way I think it works, but I'm sure someone will be along soon to tell me if I'm wrong..

Quote: Originally posted by Max-and-Paddy on 11/9/2010

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In a nutshell, your caravan is covered for third party insurance only on your car policy while your towing (I believe while it's actually attached to the car). For any other cover, you need caravan insurance. You don't need special car insurance to tow.

Nora

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Thanks for all replies, have insurance for caravan and now know about towing and insurance.

Am still wondering if the C/C car insurance is actually more tailored to caravanners - sorry if this is a silly question but I know nothing about car insurance really, just looking for a bit of experienced advice ...

Quote: Originally posted by crocket55 on 11/9/2010

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Am still wondering if the C/C car insurance is actually more tailored to caravanners - sorry if this is a silly question but I know nothing about car insurance really, just looking for a bit of experienced advice ...

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I think the short answer is 'No!' - I don't think it is especially tailored for caravanners.  The 'Caravan Club Car Insurance' for cars does not exist as such.  The Caravan Club (or rather Devitt) are the broker and therefore organise your insurance through the various insurance companies it deals with.  We have our car insurance through the Caravan Club but we are actually insured through Equity Red Star.  If we have to claim, our claim form goes to Equity, and they pay out.  If I send my claim form to the CC, they just pass it on.  Another driver with a different car/ different requirements may be offered a policy with a different insurer, but both will be 'organised' by the CC.  I think I'm right in saying that any car insurance covers your caravan third party.  After saying that, there is something 'safe' about having the CC as your broker.  I just feel they are not going to try and sell you something inappropriate as a caravanner, if there is such a thing.  As a member of the Club, if you ask them to be you car insurance broker, they know you are going to be towing a Caravan or Trailer Tent.  For my car, however, I find the price they can get me for the insurance very competative.

On the other hand, their caravan insurance is a Caravan Club Insurance.  They only sell one insurance for caravans - their own - which is underwritten by a number of different 'financial institutions', but which is only available through the CC.  This policy is tailor-made for it's members.

Hope this helps.