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Old 27 November 2012, 02:46   #11
Country: UK - England
Town: Plymouth
Length: 6m +
Join Date: Mar 2011
Posts: 2,693
I'm quite sure I checked it with DL at the time I took it out and they were quite insistent if it became detached it was no longer covered. I'm not sure if detached means from the towbar hitch itself or completely as in the break away cable also snaps and it runs free. If it debated but remained connected to the towbar by the cable it may be different.

Have moved I surer now and I must admit I've no idea on their policy regarding it. Judging by the way they hiked my premium 400 for a 5 year NCB NON FAULT notification (parked car hit by another, which wasn't even handled by them, just advised them of a claim via the 3rd party's insurance) I would imagine they will try everything in the book to wriggle out.

Admiral insurance - one to avoid!!!! Wished I could have stayed with Direct Line but they will not cobra X5 without an active tracker.
Peter @ Boatsandoutboards4sale ~ ~ 07930 421007

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Old 27 November 2012, 03:03   #12
Country: UK - England
Town: macclessfield
Boat name: Reach Out
Make: Quicksilver
Length: 4m +
Engine: 30hp Tohatsu EFI
Join Date: Aug 2010
Posts: 301
My fathers boat became detached due to tow bar failure 25 year sago, 1200kg boat over took us on its 4 wheel trailer going down hill... Dad over took it back, jumped out on foot and 'rode' it to the curb... Very lucky, as just before a blind bridge.....

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Old 27 November 2012, 04:30   #13
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
Sorry - been suddenly busy at work , but on speaking to my tame motor specialist monkeys ...and some hasty reading up again by me...

Any insurer that tries to wriggle out of a claim would be on thin ice....

All comes down to the definition of the insured vehicle (within the policy and RTA) . Any decent policy will just get on and pay it & deal with it. A crap one one will try to wriggle, but I feel would be 'trumped' by the RTA if it got that serious.

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