audio2 Posted January 30, 2014 Share Posted January 30, 2014 When using a motor mover on a public road does caravan insurance cover damage to the caravan & third party liability? Quote Bailey Unicorn Valencia S2 & BMW E61 530i Link to comment Share on other sites More sharing options...
Doosan Posted January 30, 2014 Share Posted January 30, 2014 For a definitive answer you should ring your caravan insurance company Quote Bailey Pageant Series 6 Champagne 2007 Tow Car Toyota Rav4 Link to comment Share on other sites More sharing options...
RADIOTWO Posted January 30, 2014 Share Posted January 30, 2014 (edited) When using a motor mover on a public road does caravan insurance cover damage to the caravan & third party liability? As Doosan says ask your own company, but in theory yes, your car insurance will NOT cover it. Radiotwo Edited January 30, 2014 by RADIOTWO Quote Steve - Land Cruiser Amazon Auto + Pageant Series 5 Champagne The match between car and caravan is perfect in accordance with a mix of European standards. However, according to the British Towing Code the percentage (loaded caravan / kerbweight tow car) is 49%. Link to comment Share on other sites More sharing options...
JTQ Posted January 30, 2014 Share Posted January 30, 2014 For a definitive answer you should ring your caravan insurance company But please bring the "answer" back as this must be very relevant to many of us. I have to bring my van onto/off of the public highway. Quote Link to comment Share on other sites More sharing options...
Marks Posted January 30, 2014 Share Posted January 30, 2014 What have you done? Quote Land Rover Discovery and Conquerer 630 Link to comment Share on other sites More sharing options...
shipbroker Posted January 30, 2014 Share Posted January 30, 2014 Somewhere here this was debated last year or year before and I cannot find it. ........my memory was that it didn't cover accidental damage but again each policy is different. ......what does your say? geoff Quote Kia Sorento KX-1 CRDI 4WD towing an Elddis Affinity 530 Link to comment Share on other sites More sharing options...
audio2 Posted January 30, 2014 Author Share Posted January 30, 2014 I have insurance with the Camping & Caravan Club which includes £5m Public Liability but excludes liabilities for which compulsory insurance is required for any road traffic legislation. I will contact them to establish what is covered. Quote Bailey Unicorn Valencia S2 & BMW E61 530i Link to comment Share on other sites More sharing options...
Marks Posted January 30, 2014 Share Posted January 30, 2014 Does ths mean with comprehensive caravan insurance, there are situations that you are still not insured. Quote Land Rover Discovery and Conquerer 630 Link to comment Share on other sites More sharing options...
audio2 Posted January 30, 2014 Author Share Posted January 30, 2014 Yes if you damage your own property. Quote Bailey Unicorn Valencia S2 & BMW E61 530i Link to comment Share on other sites More sharing options...
Caravanmedicswindon Posted January 30, 2014 Share Posted January 30, 2014 Yes if you damage your own property. Surely you mean maliciously or deliberately? Quote For any additional information or advice please have a look on my website. .....www. thecaravanmedic-swindon. co. uk Link to comment Share on other sites More sharing options...
A11 Posted January 31, 2014 Share Posted January 31, 2014 Surely its no different to if you're manoevering the caravan by hand and you lose control? So, yes, I'd expect the caravan insurance to pay up - if you have been negligent. If you have not been negligent then there is no basis for the third party to claim. But . .. I can't think of any circumstance where it would be ruled non-negligent. Quote Link to comment Share on other sites More sharing options...
audio2 Posted January 31, 2014 Author Share Posted January 31, 2014 The Public Liability exception states "Damage to property owned by you or your family". I think this may be a fairly common exception, my father had to pay to rebuild his garage when he drove his car into it. Quote Bailey Unicorn Valencia S2 & BMW E61 530i Link to comment Share on other sites More sharing options...
zeersplat Posted January 31, 2014 Share Posted January 31, 2014 The Public Liability exception states "Damage to property owned by you or your family". I think this may be a fairly common exception, my father had to pay to rebuild his garage when he drove his car into it. I used to drive my car into the garage on a regular basis, I dont recall having to rebiuld it. Quote Link to comment Share on other sites More sharing options...
audio2 Posted January 31, 2014 Author Share Posted January 31, 2014 I have spoken to Camping & Caravan Club insurance who confirm that Public Liability cover is valid when manoeuvring a caravan on a Public Road using the motor mover. They also confirmed that if I hit my daughter's car the damage to her vehicle would not be covered on the caravan policy. Quote Bailey Unicorn Valencia S2 & BMW E61 530i Link to comment Share on other sites More sharing options...
mw3230 Posted January 31, 2014 Share Posted January 31, 2014 The Road Traffic Act defines a motor vehicle as a "mechanically propelled vehicle constructed or adapted for use on the road". A caravan is not per se 'mechanically propelled' but the mover could render it so. I would argue that the addition of a mover to a caravan does not make it fall within the definition Quote Link to comment Share on other sites More sharing options...
John_b_45 Posted January 31, 2014 Share Posted January 31, 2014 I'm just careful! Quote Santa Fe 7 Seater Premium Manual towing Swift Eccles 480 plated to 1500 kg. Link to comment Share on other sites More sharing options...
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