3rd Party car insurance when towing !!
I am sure this would have been covered before , however, my car insurance expires on the 3 Mar 2012 and i have been ringing around for new quotes , It would appear that 90 % of the quotes i have only cover me 3rd party for the car when towing ( fully comp solo ) and that a fitted towbar counts as a modification for which the premium goes up !.
I could have been towing for the last 20 years with third party only - my fault for not checking i guess !!
What insurance company do you use ? I have no accidents or convictions.
Thanks in advance
Andy
Hi , That is what I assumed !! but no - the car is only covered third party when towing.
They have sent it in writing !
Regards
Andy
Hi , That is what I assumed !! but no - the car is only covered third party when towing.
They have sent it in writing !
Regards
Andy
Find another insurance company as that is ridiculous. Your cover should not chane if towing. Try A-plan for insurance or even the CC.
Andy
They are pulling your chain!
A while back both Saga and Aviva said they didn't cover the third party road risk if the towed vehicle " caravan or trailer " caused the damage. That was absolute rubbish and both parties did apologise and confirmed TP cover was in force. Also your own car would still be Fully Comp.
I ended having a bit of ding dong with them . Sadly for them by the time a sensible human being who understood the Principles and Practice of Insurance corrected the "bum steer" I had moved my business to the Caravan Club who gave me and excellent cover and more importantly , at that time , guaranteed to beat any like for like quote.
I have tried 4 companies and they all say the same !! third party only when towing - I will try the CC now !
Thanks for your comments
Andy
Andy
See this thread.
http://www.practicalcaravan.com/forum/insurance-security-and-storage/aviva-and-saga-car-insurance
Good luck and don't take the word of the call centre idiots who seem to know nothing.
Andy, in over 40 years caravanning, I have never heard of that ruling.
Nor me !! but i now have 5 companies saying the same - and the last one I tried stated that the "majority of insurers only cover the car 3rd party when towing" !!
Anyway I have tried the CC who have a competitive quote ( albiet with £650 compulsory excess ) and cover the car fully comp at all times - this is my best bet so far.
Thanks everyone
Andy, I've just spoken to the broker I've been using for many years, and she says that she has never come across this. Any TRAILER being towed is only covered TP, ie, if the trailer hits something, the their damage is covered, but not the trailer.In all circumstances, to her knowledge (which is extensive), if the car has comp insurance, that's what it gets, towing or not.
You've almost certainly mis-understood.
The car will be fully comp, bu the trailer will be third party. ie. if you hit something, your insurance will pay for the repairs to your car, and to the car you hit, but not for the repairs to your caravan.