Reply
 
Thread Tools Search this Thread
 
Old 17 December 2014, 13:25   #1
Member
 
The Gurnard's Avatar
 
Country: UK - Scotland
Town: Stirling
Boat name: The Gurnard
Make: Quicksilver
Length: 4m +
Engine: mariner 25hp 2s
Join Date: Jul 2013
Posts: 986
Car insurance and towing a trailer

Hi all,

I have a query to ask about car insurance and towing a trailer which I am hoping someone can help with.

Today I phoned my insurance company (Direct Line) as it is renewal time again. I noticed my permitted yearly mileage allowed on the insurance was slightly over last year..so wanted it increased to cover my projected mileage for next year. It is not a problem and is sorted.

I then asked ..(just to make sure they knew I did it ).. about towing a small un-braked trailer and I assume Im insured to do that.

The lady said yes..the car is insured to tow a trailer.. but the trailer will not be insured for accidents. I asked for clarification..and was told.. if the trailer or load broke free from the car.. any damage it did would not be covered by insurance. I asked ..so if my trailer accidentally broke free from the car and injured or killed someone.. I would not be insured ? She said yes..that is correct.

When I read my policy it states...

We will cover you for your legal responsibility if there is an accident which involves your car and :
You kill or injure someone or
You damage their property
This cover also applies to any accident involving injury or damage caused by a trailer or vehicle you are towing.

So I came away from that phone call quite confused ? Not to mention concerned.

I appreciate the trailer and boat will not have insurance..example I get nothing if I damage or loose them..but surely if I have an accident ..Im covered if I injure someone with the trailer while towing it..or if it breaks free while towing and technically is not attached to the car ?

My question to anyone who might know is... is the lady correct..or has she had too much festive drink lately ? I told her I would not re insure with Direct Line if they cant cover me for towing the trailer. She said I would be better getting a specialised insurance..example for towing a caravan ?

Your thoughts and experience will be much appreciated... Im a safe driver but cannot risk an accident with trailer without knowing for sure I am covered for the third party damage..if that makes sense
__________________

__________________
The Gurnard is offline   Reply With Quote
Old 17 December 2014, 13:33   #2
Member
 
kerny's Avatar
 
Country: UK - England
Town: Ashton-under-Lyne Lancs
Boat name: IMOGEN
Make: Air-Craft 5.4
Length: 5m +
Engine: Etec 60
MMSI: 235087492
Join Date: May 2010
Posts: 7,040
RIBase
Send a message via Skype™ to kerny
As far as I know the trailer would be covered for third party's your boat insurance covers the rest. That's on fully comp insurance not sure about third party and theft.
__________________

__________________
Member of S.A.B.S. (Lancashire Division)
kerny is offline   Reply With Quote
Old 17 December 2014, 13:37   #3
Member
 
Country: UK - England
Town: Dorset & Hants
Boat name: Streaker/Orange
Make: Avon/Ribcraft
Length: 4m +
Engine: 50Yam/25 Mariner
Join Date: Apr 2007
Posts: 5,551
Gurnard.... The problem is these insurers emply divvys..

You're fine... As long as the car n trailer are attached when you drive off, if you then bust something and the trailer goes on its merry way and does damage the car insurance will cover it.
__________________
PeterM is offline   Reply With Quote
Old 17 December 2014, 13:43   #4
Member
 
The Gurnard's Avatar
 
Country: UK - Scotland
Town: Stirling
Boat name: The Gurnard
Make: Quicksilver
Length: 4m +
Engine: mariner 25hp 2s
Join Date: Jul 2013
Posts: 986
Thanks Kerny..yup..that is what I always thought too...except I don't have boat insurance..as its a cheep boat and trailer so not worried about loosing them ..and where I go boating.. I consider there is very little chance of third party damage..Im prepared to take that risk.

I guess the lady and myself were talking at cross purpose.. as I said.. ok.. can I get you to insure me for the trailer..and she said Direct Line don't offer that type of insurance..Im best to try a specialised insurance company ?

I think Im covered for hitting something with the trailer when towing it..at least I hope so
__________________
The Gurnard is offline   Reply With Quote
Old 17 December 2014, 13:44   #5
Member
 
The Gurnard's Avatar
 
Country: UK - Scotland
Town: Stirling
Boat name: The Gurnard
Make: Quicksilver
Length: 4m +
Engine: mariner 25hp 2s
Join Date: Jul 2013
Posts: 986
Ah..just seen your reply too Peter..I can now renew it and sleep easy Thanks guys
__________________
The Gurnard is offline   Reply With Quote
Old 18 December 2014, 18:31   #6
Member
 
Country: UK - England
Town: gloucestershire
Length: 4m +
Join Date: Nov 2012
Posts: 340
I insure my SIB , trailer and O/B/M for 43 year fully comp. several times at slipways I have been asked to produce insurance before launching.
__________________
camelgas is offline   Reply With Quote
Old 19 December 2014, 07:00   #7
Member
 
HughN's Avatar
 
Country: UK - England
Town: Littlehampton, W Sx
Length: no boat
MMSI: 235101591
Join Date: Jan 2012
Posts: 732
In any case I wouldn't expect an insurer to pay out if there was an accident and your trailer was overloaded, not roadworthy or, for example, not fitted with a secondary connection device. Equally, if the driver's license didn't cover it.

I once rang my insurer to tell them I had just fitted a towbar to my car. They weren't bothered in any way - despite the fact I had effectively just added a very solid 'spike' to the rear of my car.
__________________
"Can ye model it? For if ye can, ye understand it, and if ye canna, ye dinna!" - Lord kelvin
HughN is offline   Reply With Quote
Old 19 December 2014, 08:14   #8
RIBnet supporter
 
bartiny's Avatar
 
Country: UK - England
Town: Accrington
Length: no boat
Join Date: Oct 2012
Posts: 451
Quote:
Originally Posted by HughN View Post
I had effectively just added a very solid 'spike' to the rear of my car.
Or robust parking sensor
__________________

__________________
bartiny is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off





Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 00:56.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.