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Old 30 May 2014, 06:57   #1
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insurance query

alright guys,

Just renewed my boat insurance with towergate. They tell me that my boat is not covered whilst coupled to the car.

So I phoned my car insurance, and they tell me that my trailer is covered 3rd party whilst coupled to the car, but not its contents. so i asked the question, and yes, the boat is classed as the contents of the trailer.

Basically when Towing my boat, its not covered by any insurance.

Anyone else come across this?

cheers

Si
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Old 30 May 2014, 07:09   #2
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Quote:
Originally Posted by SimonCh View Post
alright guys,

Just renewed my boat insurance with towergate. They tell me that my boat is not covered whilst coupled to the car.

So I phoned my car insurance, and they tell me that my trailer is covered 3rd party whilst coupled to the car, but not its contents. so i asked the question, and yes, the boat is classed as the contents of the trailer.

Basically when Towing my boat, its not covered by any insurance.

Anyone else come across this?

cheers

Si
If this is true - towergate need a slap .....

Have a look at the policy wording - look for cover while in transit by road . If its defo not in there then its pointless policy for a trailered boat.

Pm me if its not clear in there ....it sort of what I do ...

Pete
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Old 30 May 2014, 12:50   #3
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Country: UK - Scotland
Town: Stonehaven
Boat name: Sunday Best
Make: Tornado
Length: 5m +
Engine: Yammy 90
Join Date: Mar 2011
Posts: 236
Well, Pete cleared it up for me.

I am infact covered, but I found the wording a tad vague, and the guy on the phone definitely said that the boat wasnt covered whilst under the command of the car!

Thanks for taking the time, pete!
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