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 ~ www.BoatsandOutboards4Sale.co.uk
~ 07930 421007