Home Log in or Register

Message Forums

Welcome Guest

Reception - All Forums

Caravans and Caravanning

Topic: Insurance confusion

bobsbabes

16/11/2013 at 10:24am
Location: Shropshire
Outfit: Sterling Eccles SR 636 Nissan Navara

View Profile

Quote

Joined: 22/5/2008

Diamond Member

Forum Posts: 2584
Tent Reviews: 1

Site Reviews Total:	15

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

So caravan is insured for third party when attached to the car via car insurance
Caravan is not insured for public liability when attached to the car via caravan insurance

So who cover the caravan if it gets damaged cos I hit a wall whilst towing ??? Or is it just not covered
Am hoping my insurances cover me I assume they do put always panic lol

-------------
hello

Acornis

16/11/2013 at 10:45am
Location: North Norfolk
Outfit: Bailey Olympus

View Profile

Quote

Joined: 01/7/2012

Gold Member

Forum Posts: 240

Site Reviews Total:	28

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	1
Site Reviews 2019:	6
Site Reviews 2018:	3

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	4
Site Nights 2019:	17
Site Nights 2018:	3

Your caravan insurance should cover this. My problem, when this happened to me, was not the insurance company but the repairers trying to fit me in.

-------------
Just saying
If all is not lost where is it then?

Discounted Insurance Quotes for UKCampsite.co.uk visitors! Up to 12.5% off!

UKCampsite.co.uk users are rewarded with up to 12.5% off Caravan Guard touring caravan insurance, folding camper and trailer tent insurance, and 5% off motorhome and campervan insurance. Static caravan insurance is also available. Get an online quote now

macquatic

16/11/2013 at 10:55am
Location: Inverness
Outfit: Hyundai Santa Fe & Pegasus Rimini

View Profile

Quote

Joined: 25/6/2010

Platinum Member

Forum Posts: 843

Site Reviews Total:	2

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	1
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	2
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

If the caravan is not insured separately, any damage sustained whilst towing is your own responsibility.

-------------
I came into this world with nothing and I've still got most of it left.

Jack+Jon

16/11/2013 at 11:32am
Location:
Outfit:

View Profile

Quote

Joined: 24/1/2010

Platinum Member

Forum Posts: 1224

Site Reviews Total:	0

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

When attached to your car your caravan is insured by your car insurance for third party claims, so this is in effect public liability because you car/caravan outfit is insured by your car ins. for any damage caused by your own fault in the course of an accident to people or property.

Even if caravan became detached during towing you are still covered because it would be regarded as no different from, say a roofbox becoming detached & causing third party damage.

Your separate caravan insurance covers you for damage caused to your caravan for whatever reason while it is being towed.

-------------
Regards, Jack+Jon.

janettp

16/11/2013 at 3:18pm
Location: None Entered
Outfit: None Entered

View Profile

Quote

Joined: 16/11/2013

Standard Member

Forum Posts: 12

Site Reviews Total:	0

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

bobsbabes

16/11/2013 at 7:40pm
Location: Shropshire
Outfit: Sterling Eccles SR 636 Nissan Navara

View Profile

Quote

Joined: 22/5/2008

Diamond Member

Forum Posts: 2584
Tent Reviews: 1

Site Reviews Total:	15

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

reading through the policy if the van hasnt been attatched correctly you arent covered do other car policys state this ?
Jack+Jon who would pay out for the caravan damage ? (i hasnt happened am just curious)

-------------
hello

chilephilly

16/11/2013 at 8:38pm
Location: Midlands
Outfit: Tessie and Patsy

View Profile

Quote

Joined: 29/8/2009

Platinum Member

Forum Posts: 559

Site Reviews Total:	19

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

After our unfortunate experience at Leek C&CC our insurance is paying for Patsy to be fixed. Very common, they said.

-------------
Keep calm and go camping....

bobsbabes

16/11/2013 at 8:43pm
Location: Shropshire
Outfit: Sterling Eccles SR 636 Nissan Navara

View Profile

Quote

Joined: 22/5/2008

Diamond Member

Forum Posts: 2584
Tent Reviews: 1

Site Reviews Total:	15

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

caravan or car ? and what happened have I missed the post off for a looksee xxxx

-------------
hello

Jack+Jon

16/11/2013 at 9:23pm
Location:
Outfit:

View Profile

Quote

Joined: 24/1/2010

Platinum Member

Forum Posts: 1224

Site Reviews Total:	0

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Quote: Originally posted by bobsbabes on 16/11/2013
reading through the policy if the van hasnt been attatched correctly you arent covered do other car policys state this ?
Jack+Jon who would pay out for the caravan damage ? (i hasnt happened am just curious)

If caravan detached itself while being towed for whatever reason then you are covered. The exclusion makes no sense as caravan insurance excludes third party cover while being towed as it is covered by the car insurance. It would certainly cause an argument between car & caravan insurers.

As pointed out previously, damage to caravan is not covered by car insurance so your caravan insurance would pay for that.

-------------
Regards, Jack+Jon.

bobsbabes

16/11/2013 at 9:37pm
Location: Shropshire
Outfit: Sterling Eccles SR 636 Nissan Navara

View Profile

Quote

Joined: 22/5/2008

Diamond Member

Forum Posts: 2584
Tent Reviews: 1

Site Reviews Total:	15

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

fab ty xx

-------------
hello

chilephilly

16/11/2013 at 10:25pm
Location: Midlands
Outfit: Tessie and Patsy

View Profile

Quote

Joined: 29/8/2009

Platinum Member

Forum Posts: 559

Site Reviews Total:	19

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Quote: Originally posted by chilephilly on 16/11/2013
After our unfortunate experience at Leek C&CC our insurance is paying for Patsy to be fixed. Very common, they said.

In the Campsites forum. Still seething despite the fact we knew!!

-------------
Keep calm and go camping....

G#Winger

16/11/2013 at 10:52pm
Location: south yorkshire
Outfit: coachman Amara 450

View Profile

Quote

Joined: 21/6/2004

Platinum Member

Forum Posts: 1497

Site Reviews Total:	6

Site Reviews 2024:	1
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	15
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

---------------------------------------------------------
Quote: Originally posted by chilephilly on 16/11/2013
--------------------------------------------------------------------------------
After our unfortunate experience at Leek C&CC our insurance is paying for Patsy to be fixed. Very common, they said.
-------------------------------------------------------
i can simpathise with you ,as i've just looked on google street at the exit gate, it does look very narrow
stu

-------------
I predict a riot !!

michael

17/11/2013 at 7:33am
Location: Lancashire
Outfit: Caravan now Sold

View Profile

Quote

Joined: 30/6/2002

Diamond Member

Forum Posts: 23517

Site Reviews Total:	1

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

many years ago turning on a tight corner the rear end of the caravan scratched the wing of a new car.the car insurance paid for all car repairs.there was no damage to the caravan to be seen,if there was then the caravan insurance would have paid for the repairs.

-------------
the only silly question is the one you do not ask.

In order to post a reply you will need to register, or if already registered please log in here

Prev Next
Quick Links - All Forums - Caravans and Caravanning - Top of Page

Printable version

Latest News, Discounts and Competitions see all...

6920 Visitors online !

Free UKCampsite.co.uk Window Sticker - Recommend to Friend - Add a Missing Campsite

[Message Forums] [Caravan Sites & Camping] [Company Listings] [Features / Advice] [Virtual Brochure] [Shop!]
[Reception] [Competitions] [Caravans & Motorhomes For Sale] [Event Diary] [Contact Us] [Tent Reviews]

Please note we are not responsible for the content of external sites & any reviews represent the author's personal view only. Please report any error here. You may view our privacy and cookie policy and terms and conditions here. All copyrights & other intellectual property rights in the design and content of this web site are reserved to the UKCampsite.co.uk © 1999 - 2024

UKCampsite.co.uk
2024 Advent Calendar

24 Daily Prizes PLUS a Christmas Day Star Prize worth £999

Request a Reminder