With L,&V Britannia breakdown you are definitely covered if the trailer breaks down and will recover on a flatbed. The issue is where you breakdown a long way from home and as such the cost of the recovery there. The calculation is based on the trailer value and not the load/boat ,,,, so typically ,£1500 ? based on a book valuation. In common with car only and other policies you have to pay ferry costs regardless ( this happened with my Volvo some years ago and although I was recovered ok, I did have to pay the ferry costs of the recovery truck from Mull.
Breakdown somewhere like Italy and hope/expect to have your beloved rib repatriated and I think you will be disappointed
I would love to know of anyone who has or knows of any organisation that would do this. At the end of the day it's a risk evaluation on a long trek like I did ,,, and I do carry spare hubs, brakes and tools but there's a limit. I have chalked this down to experience and it was my first ever issue in towing all over the UK for 20 years including 8 trips to Greece so hey ho ,,, sh can happen Pikey
For UK towing the cost clause shouldn't impact ,,, Green flag, Britannia or others are specific and clear about disabled trailers ,,, on a positive note