Wills Wagon Posted December 20, 2010 Share Posted December 20, 2010 In the process of buying a new Peugeot 107 to tow behind our 2008 AutoTrail. Any advice on insurance and what to look out for. Motorhome currently insured with Caravan Guard and other car with LV (Liverpool Victioria) Thanks Link to comment Share on other sites More sharing options...
enodreven Posted December 21, 2010 Share Posted December 21, 2010 Hi, I assume you are thinking of towing on an "A" frame, if that is correct then I have insured my Fiat Panda fitted with an "A" frame both through the NFU in 2009 and currently with SAGA 2010/2011. To hopefully avoid any complications I have also insured my motorhome with SAGA. I did however fax/email both these companies NFU and SAGA prior to insuring, copies of all of the details with photos for the "A" frame as I wasn't sure that either of them really knew exactly what I was talking about when explaining over the phone, I also received written confirmation that the insurance covered my amendments. There have been suggestions that when towing the car, it is only covered third party, which doesn't really worry me, but if you are concerned its worth taking that up with your chosen insurance company also. There may be other insurance companies that will provide cover for "A" frames so its really worth ringing around, but make sure they know exactly what you are talking about and confirm it in writing. Hope that helps. Link to comment Share on other sites More sharing options...
Stuart Posted December 21, 2010 Share Posted December 21, 2010 We have the car, 'van and home insurance together with travel, all with Comfort. I do not say that they are the cheapest but they offer the cover we want, they have confirmed that we are covered always when the car is either on the A-frame or trailer and will extend the domestic cover for longer than standard time away from home if needs be. We felt if there was to be a claim, it would be easier to deal with one office, rather than have one playing us off against another. We have always found them easy to deal with in the past. HTH Stuart Link to comment Share on other sites More sharing options...
Rosbotham Posted December 21, 2010 Share Posted December 21, 2010 Motorhome insurance will cover the towcar 3rd party only while being towed. However even if relying on that, you'd be advised to check with your towcar insurer (and get it in writing), because if the mounts for the A-frame cause anything in an accident while driving solo (e.g. think about what might happen if you knock someone down), you may find yourself in trouble for not notifying the modification. If you want the towcar covered fully comp while on tow, as others have said Comfort, NFU, or personally I use Peart. Paul Link to comment Share on other sites More sharing options...
Ian0354 Posted December 21, 2010 Share Posted December 21, 2010 Rosbotham - 2010-12-21 10:10 PM Motorhome insurance will cover the towcar 3rd party only while being towed. However even if relying on that, you'd be advised to check with your towcar insurer (and get it in writing), because if the mounts for the A-frame cause anything in an accident while driving solo (e.g. think about what might happen if you knock someone down), you may find yourself in trouble for not notifying the modification. If you want the towcar covered fully comp while on tow, as others have said Comfort, NFU, or personally I use Peart. Paul Are you quite sure of the fact that the car is insured fully comp when towed? It is some years now since we towed behind our MH but I was informed, by Comfort Ins., that when actually moving the car was treated as a trailer and so could only be covered on a third party basis; ie that only damage caused by the trailer was covered and not damage to the trailer itself. Further, that because it became a trailer in this configuration the car policy wouldn't cover while being towed. This stopped us from enjoying our car but I would look to tow again, on occasions, if this has altered in the years since. Can someone post a link to written proof to clarify please? Regards, Link to comment Share on other sites More sharing options...
w1ntersun Posted December 22, 2010 Share Posted December 22, 2010 Hi to all in this freezing weather. I cannot provide a link but I went into it with great detail 18 months ago with Comfort, Aviva,s underwriters and Saga,s underwriters. 1 someone else causes the accident. They pay 2 you driving the M/H cause the accident the the M/H insurance pays for the 3rd party and the M/H. 3 If the towed car hits the other vehicle the M/H insurance pays for 3rd party damage only 4 Your car is covered fully comp as it is when parked at the side of the road or on the ferry for eg ( with no driver ) Unless you have a clause saying 3rd party only when being towed. 5 If you caused the accident driving the M/H any damage to the towed car is claimed by the towed cars insurance against the M/H insurance. In other words you claim against yourself richard Link to comment Share on other sites More sharing options...
Rosbotham Posted December 22, 2010 Share Posted December 22, 2010 Ian03/54 - 2010-12-21 10:40 PM Are you quite sure of the fact that the car is insured fully comp when towed? It is some years now since we towed behind our MH but I was informed, by Comfort Ins., that when actually moving the car was treated as a trailer and so could only be covered on a third party basis; ie that only damage caused by the trailer was covered and not damage to the trailer itself. Regards, Sorry, should have been clearer. The MH policy will only ever cover the towed vehicle 3rd party, whether it's bought from Comfort or anyone else. Fully comp cover will only ever be provided on the towed vehicle policy. Comfort offer a policy for cars that covers them when being towed on an a-frame. For me, it wasn't competitive with Peart's, but for others it could be. If you solely had a motorhome policy with Comfort and the car was covered elsewhere, the Comfort policy wouldn't cover the car fully comp, only 3rd party. Paul Link to comment Share on other sites More sharing options...
Ian0354 Posted December 22, 2010 Share Posted December 22, 2010 w1ntersun - 2010-12-22 8:29 AM Hi to all in this freezing weather. I cannot provide a link but I went into it with great detail 18 months ago with Comfort, Aviva,s underwriters and Saga,s underwriters. 1 someone else causes the accident. They pay 2 you driving the M/H cause the accident the the M/H insurance pays for the 3rd party and the M/H. 3 If the towed car hits the other vehicle the M/H insurance pays for 3rd party damage only 4 Your car is covered fully comp as it is when parked at the side of the road or on the ferry for eg ( with no driver ) Unless you have a clause saying 3rd party only when being towed. 5 If you caused the accident driving the M/H any damage to the towed car is claimed by the towed cars insurance against the M/H insurance. In other words you claim against yourself richard Richard, Thank you for such a clear explanation of each circumstance. Following this to #5 I can see where you could easily finish up with two "blame" claims against you in one accident; one in damage to your MH, + possibly a third party, and the other in damage to your own car. This could mean that you would lose the ability to protect your NCB for a period therefore, potentially, working out very costly. Paul, Thanks also for further explanation. In balance I think my decision is made in favour of managing as we do, without our toad. Regards, Link to comment Share on other sites More sharing options...
Rosbotham Posted December 22, 2010 Share Posted December 22, 2010 w1ntersun - 2010-12-22 8:29 AM 4 Your car is covered fully comp as it is when parked at the side of the road or on the ferry for eg ( with no driver ) Unless you have a clause saying 3rd party only when being towed. richard Only just noticed this one. That may be the case for your particular policies with Aviva and Saga. However, having rang around a number of insurers, getting things checked with underwriters etc, I can categorically say that it is not generally the case. Most insurers run a mile from providing fully comp cover while the vehicle is on an a-frame, largely because they don't understand it. I even had a couple who initially said "yes, no problem" until I asked for it in writing and they subsequently came back with "er, sorry, no". I really do think that anyone who wants their toad covered fully comp is better using a specialist broker such as Comfort or Peart. I seem to recall there's one particular NFU office that understands the issue as well, but can't remember which one it is. Paul Link to comment Share on other sites More sharing options...
Wills Wagon Posted December 24, 2010 Author Share Posted December 24, 2010 Many thanks for all your help. Must wait until after Christmas and get on the phone. May I wish you all a merry christmas and a happy, healthy and prosperous New Year. Thanks. Link to comment Share on other sites More sharing options...
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