Quote:
Originally Posted by Dry_Doc
Doesn't your motor insurance cover you when you're towing? I looked into this and we are covered under the University's motor policy for damage to the boat and/or trailer when towing, provided the boat is 'securely attached' to the trailer. Quite what 'securely attached' means in insurance terms is probably a debatable point!
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I think that it would be unusual to cover damage to the boat. And by definition it doesn't cover the risk that the boat becomes unsecure and damaged.
The norm is that 3rd party risks (damage to other persons, vehicles, etc) are covered under the vehicle insurance whether caused by the boat/trailer/car etc.
Accidental damaage caused to the trailer itself, or the boat either by your own fault or that of another driver would not normally be covered by the car policy but can be included in the boat policy.