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On The Move Caravan Insurance..when Not Included In Car Insurance?


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Hello,

 

I wondered if anyone had any experience of what kind of cover is needed for my caravan, when it is actually on the road?

 

Our caravan will be towed by my company car, and while the company are happy to insure the car, when I am away in the van, they will, understandably, not cover the caravan. Does anyone know what insurannce I should ask for? It is almost like trip insurance, but for use in the UK? If/when we venture to the continent, my plan was to purchase a one off trip insurance.

 

Does any one know?

 

My 2nd question is about breakdown insurance for the caravan. ..again, car is covered by the company I work for, but not the van.

 

Any advise would be really helpful.

 

Many thanks, in advance.

 

J

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A Vanner without a van due to the demands of DIY and SWMBO - 40 years was a good run though :unsure:

 

Now a Motorhome Learner with a Fiat Toad :o

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In a nutshell. .

 

When your caravan is attached to the car then car insurance will cover any 3rd Party damage it causes.

 

If your caravan is damaged whilst attached to the car then that damage is not covered by the car insurance.

 

To cover the latter you will need caravan insurance through CC, C&CC, Towergate etc etc etc

 

For UK breakdown then the Mayday (Greenflag through CC) or Assist(?) (RAC through C&CC), Brittania etc etc.

 

Be aware that going direct to the AA, RAC or Greenflag is OK if your caravan is under 7m.

 

There is usually a debate about who will fix the caravan if it breaks down but Mayday and Assist(?) do and people say Brittania do by implication and practice.

 

HTH,

 

Others have (whilst I've been typing) and will let you have their views also.

 

G

Edited by chapmag
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Thank you very much. ..that helps alot. APologies if it is a daft question. .I was getting a bit confused.

 

Really apprecaite the simple advice!

 

Of do some comparing. ....but I would guess I wuld go with a club.

 

Thanks again,

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Whatever Graham said. ............

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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Oh Geoff!!!

 

Can you have another read. .... I was relying on you as my safety net!!!! LOL!! :ph34r:

 

G

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Post #3 sums it up nicely.

 

Best to make some comparisons and I would only bother to look at

 

http://www. compare-caravan-insurance. co. uk/indexb. asp?mkcode=ex_gppc_Compare%20caravan%20insurance&gclid=CK-f5dHFj7wCFdShtAodhAgAyg

Caravan Club

Camping & Caravanning Club.

 

Best value breakdown for the UK is Mayday from the Caravan Club. For the continent I always use Red Pennant from the Caravan Club but it's not cheap - others swear by ADAC which is a German organisation.

Land Rover is now back towing.

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.

 

others swear by ADAC which is a German organisation.

NO longer takes new UK members.

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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You need to check the car insurance company in writing will cover the caravan for third party cover while it is on the road not all will if not you will need to find a insurer that will insure the caravan for Act only insurance which will cover it for third party cover which is a legal requirement for any trailer under the road traffic act .

 

Caravan insurance will only insure the caravan itself but does not cover any damage to other property on the road if caused by the caravan .

 

 

Dave

Jeep Commander 3. 0 V6 CRD

Isuzu D- Max Utah Auto

Elddis Crusader Storm 2000 Kgs, Unipart Royal Atlas Mover .

 

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I've always informed my car insurer that I have a tow bar fitted (no extra premium) - I hope that means the caravan is insured for any third party damage caused by the van.

Land Rover is now back towing.

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As far as I am aware all car insurance covers third party damage by trailers whilst attached.

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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As far as I am aware all car insurance covers third party damage by trailers whilst attached.

 

All the ones I've ever used have. .... but there may be the exception out there somewhere!

 

G.

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As you say most will cover a trailer but in this case it could be a leased vehicle or under a block insurance part of a fleet .

 

Company car insurance is full of pit falls what and when the vehicle is covered for .

 

That's why you need to evidence you are covered while it is on the road .

 

 

Dave

Jeep Commander 3. 0 V6 CRD

Isuzu D- Max Utah Auto

Elddis Crusader Storm 2000 Kgs, Unipart Royal Atlas Mover .

 

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Dave,

You are correct, my car insurance does not cover it. ..what do do you mean by

Act only, accidental damge only?

 

Apologies for being dim!

Jill

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We have car insurance with Saga, caravan insurance with The Caravan Club and breakdown Insurance for both the car and the caravan in the UK and Europe (for the whole year) with Britannia Rescue !

2007 Bailey Series 5 Senator Arizona (4 berth, rear bathroom, side dinette) towed by a 57 Kia Sorento XS Auto with Kumho KL17 tyres, Reich Mover, Kampa Rally 390, Caravan Tyres : GT Radial Maxmiler CX 185/80 R14 102R.

 

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Dave,

You are correct, my car insurance does not cover it. ..what do do you mean by

Act only, accidental damge only?

 

Apologies for being dim!

Jill

All motor insurance should cover for third party liability under the Road Traffic Act including a trailer.

See this from an insurance company.

https://www. quotemehappy. com/need-help/Do-you-cover-trailers-and-caravans-under-your-car

 

For example, say you are towing and your caravan clips a parked car. Your car insurance should cover the claim from the parked car owner for the cost of his repairs but it will not cover the cost of repair to your caravan.

The repair cost for your caravan would only be covered by separate caravan insurance.

Brian

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I went with the CC as when my LR has a break down the cover for the car is excellent but the caravan will only be recovered if attached to the car and left at the car repairer. Not much use in my opinion! But the CC cover will take the caravan to a booked site or/& home. Much better for me.

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Right. .......about 5 years ago we got caught out by the old French Priorite a Droit. ....we were going through a village near Evreux at teatime, 20 miles an hour in a long queue of traffic, and a car which had been standing in an alleyway waited till we were nearly past, we saw him lighting a ciggie, then drove into the side of my caravan. .so 6 metres long and nearly two metres wide, near white and with lights on. .....he crashed into the centre side of 'van demolishing the heating system and the battery box!............I will ignore his pleas to the Police. ..they said " He is English and he isn't dead"

 

Anyway. .......jumping to UK, the car was insured by my garage as it was a loan car!...as my transfer had not been made. .........Notified insurers, Cornhill, and also Saga who looked after caravan then. Damage to his car which was to me superficial had been claimed for as I had 'ignored French Law'.........BUT the car insurance was not affected or even claimed against. .No Saga had to pay the bill, which took 9 months to sort out. .." as the caravan had caused the accident"..........

 

Not the way I would have taken it, certainly in UK. ..........but that was France!

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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Right. .......about 5 years ago we got caught out by the old French Priorite a Droit. ....we were going through a village near Evreux at teatime, 20 miles an hour in a long queue of traffic, and a car which had been standing in an alleyway waited till we were nearly past, we saw him lighting a ciggie, then drove into the side of my caravan. .so 6 metres long and nearly two metres wide, near white and with lights on. .....he crashed into the centre side of 'van demolishing the heating system and the battery box!............I will ignore his pleas to the Police. ..they said " He is English and he isn't dead"

 

Anyway. .......jumping to UK, the car was insured by my garage as it was a loan car!...as my transfer had not been made. .........Notified insurers, Cornhill, and also Saga who looked after caravan then. Damage to his car which was to me superficial had been claimed for as I had 'ignored French Law'.........BUT the car insurance was not affected or even claimed against. .No Saga had to pay the bill, which took 9 months to sort out. .." as the caravan had caused the accident"..........

 

Not the way I would have taken it, certainly in UK. ..........but that was France!

 

geoff

 

That's interesting Geoff!!

 

No really!!! LOL.

 

So if a person in the UK with an old caravan chooses not to insure it for use in the UK (because it is low in value say).

 

It seems they would have to insure it to take it to France!

 

I wonder if (as in your case) the caravan causing the accident is a consequence of the French registering their own caravans separately.

 

Also, if you didn't have your UK caravan insured and met up with the circumstances you did. ... would the individual be held responsible and sued for reparations???

 

G

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Geoff,

 

I have just joined ADAC today (Tues 28th Jan) by phoning ADAC Nordheim 00 49 22 14 72 74 44. Paid with credit card.

 

Regards

 

Malcolm

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Th

 

Geoff,

 

I have just joined ADAC today (Tues 28th Jan) by phoning ADAC Nordheim 00 49 22 14 72 74 44. Paid with credit card.

 

Regards

 

Malcolm

 

 

There have been well published threads here from members who confirmed that apart from existing members they would not be accepting other countries members this year. ............I will pass this onto Snooks who is the expert on all things ADAC. .........they are not the whole holiday 'coverers', as you will know but breakdown and possible repatriation specialists. .

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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That's interesting Geoff!!

 

No really!!! LOL.

 

So if a person in the UK with an old caravan chooses not to insure it for use in the UK (because it is low in value say).

 

It seems they would have to insure it to take it to France!

 

I wonder if (as in your case) the caravan causing the accident is a consequence of the French registering their own caravans separately.

 

Also, if you didn't have your UK caravan insured and met up with the circumstances you did. ... would the individual be held responsible and sued for reparations???

 

G

 

 

I can answer this one,partially, Saga, after about 6 months of nothing happening,appointed a mediator company in France to negotiate. They rang me twice to check things out and I asked what would happen if the caravan had not been covered? Answer, they would seek repayment of repairs from me directly, if necessary through the courts. .................

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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I can answer this one,partially, Saga, after about 6 months of nothing happening,appointed a mediator company in France to negotiate. They rang me twice to check things out and I asked what would happen if the caravan had not been covered? Answer, they would seek repayment of repairs from me directly, if necessary through the courts. .................

 

geoff

 

Now I bet them that don't insure their caravan (for very good reason) in the UK don't know that when they plan a trip to France!!

 

Doesn't bear thinking about!!!

 

Thanks for the clarification!!

 

Will be interesting to see what Snooks comes up with on the ADAC front!

 

G

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Will be interesting to see what Snooks comes up with on the ADAC front!

 

I have had to send a message via her website as the CT mail box is not taking any more messages. . Graham we could be back in business on the RP Front again!

 

geoff

Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530

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Sorry not been on too much lately am looking after a cousin who's husband is dying of brain cancer.

 

Indeed some ADAC offices have not been notified of the cessation of enrolling UK Members. The office that Malcolm mentions is one of them I did contact this office few weeks ago BT email to check and had a yes response. Have had a few people saying they have joined in the last week or so. One pointing out that info on my website was wrong so I have changed it accordingly. I did contact ADAC Head Office about it and they wrote back saying "it is recommended that citizens buy Breakdown Cover policies in the country that they reside in." It looks like the problem has been caused by Brits over using it in the UK like one person who used it 3 times in 1 year and the AA do not like it. If any one wants to join I would go ahead and ring one of the numbers posted on my website. Having had experience it is an excellent organization and covers more Breakdown issues than most in the UK at a more reasonable premium. Holiday Insurance can be bought extra if wanted.

Elddis Crusader Storm with Kia Sorento XS

Joys of European Caravanning

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