insurance and towing a car Forums

zappy61

I want to tow a car on an A frame, will the car be covered by the motorhome insurance or the car insurance? Has anyone experience of this?
Graham

Don Madge

There's a write up on on towing with an A frame in September's MMM (page219).

It's well worth reading if you are thinking of towing a car with your motorhome.

Don

brezcraft

As the car is being towed, it legally becomes a trailer and the MH insurance should have a trailer endorsement on it.

brez.

zappy61

thanks,
there is a clause in the MH insurance (safeguard) but this only appears to cover public liability etc. and not damage to the car. Does the car insurance cover damage to the car and would this be an extra cost on the insurance?
Graham

brezcraft

Yes, as the car is legally classed as a trailer, it can only be covered for public liability while BEING TOWED.
The cars own insurance covers all other classes that you have paid for within your premium.

brez.

zappy61

Thanks,
Got it clear now. The car insurance covers any accidental damage to the car and the motorhome insurance covers the third party trailer aspect.

Graham