rtbarton Posted August 20, 2010 Share Posted August 20, 2010 My renewal from Saga has just come through with the following alteration "Glossary of terms Trailer A single-axled road vehicle of standard manufacturer's construction towed by a motor vehicle adhering to all towing regulations and fitted with a standard 50mm towball, excluding mechanically propelled vehicles, caravans, trailer tents, vehicle transporters food bars and horse boxes." Doesn't leave much choice! Might be worth checking your policies as they are renewed. Quote Link to comment Share on other sites More sharing options...
MrKev Posted August 20, 2010 Share Posted August 20, 2010 Hmm, well spotted. Just double checked mine, it says: We will also insure you while the Insured Vehicle is towing a caravan, trailer or broken-down vehicle, so long as the towing is allowed by law and the caravan, trailer or broken-down vehicle is attached properly to the Insured Vehicle by towing equipment made for this purpose. So I think I'm ok, in fact those words are nice and general in some respects. The grey area on mine is if the off-road event I'm attending (which I've got cover for) happens to be on an airfield... (why they specifically exclude airfields, I've no idea) Quote Link to comment Share on other sites More sharing options...
lrfarmer Posted August 20, 2010 Share Posted August 20, 2010 i'm with NFU the only thing that is't covered is damage to my caravan and livestock carryed Quote Link to comment Share on other sites More sharing options...
Phil Hancock Posted August 20, 2010 Share Posted August 20, 2010 (why they specifically exclude airfields, I've no idea) Because if you have a prang with a plane it will be very very very spendy to put right. Quote Link to comment Share on other sites More sharing options...
western Posted August 20, 2010 Share Posted August 20, 2010 Hmm, single axle trailer only, seems they need to update that, as a fair few caravans are double axle & there are double & triple axle trailers out there too. might be worth asking how you stand with a double axle ifor williams trailer for example. Quote Link to comment Share on other sites More sharing options...
rtbarton Posted August 20, 2010 Author Share Posted August 20, 2010 Caravans are specifically excluded Quote Link to comment Share on other sites More sharing options...
Night Train Posted August 20, 2010 Share Posted August 20, 2010 A single-axled road vehicle of standard manufacturer's construction towed by a motor vehicle adhering to all towing regulations and fitted with a standard 50mm towball, excluding mechanically propelled vehicles, caravans, trailer tents, vehicle transporters food bars and horse boxes." I wonder where a self build/home made/amateur build trailer would stand? For example a caravan suspension or some Indespension units with a frame, platform or box trailer built on to suit your own specific requirements but of no particular 'manufacturer's standard'. Quote Link to comment Share on other sites More sharing options...
rtbarton Posted August 20, 2010 Author Share Posted August 20, 2010 I wonder where a self build/home made/amateur build trailer would stand? For example a caravan suspension or some Indespension units with a frame, platform or box trailer built on to suit your own specific requirements but of no particular 'manufacturer's standard'. I wondered about that. If you build a trailer to Ifor Williams' standard would you be covered? If you had an accident with such a trailer how would you prove it was built to a standard? Quote Link to comment Share on other sites More sharing options...
Night Train Posted August 21, 2010 Share Posted August 21, 2010 Hmmmm, I shall have to check mine now as I tow quite frequently but only checked about 5 years ago that I would be covered. I could end up with two 'interesting' garden ornaments and no usable trailers. Quote Link to comment Share on other sites More sharing options...
rovernut Posted August 21, 2010 Share Posted August 21, 2010 Won't be long before you need seperate insurance and MOT for trailers. They already do in most of Europe so we are bound to follow..... Just a thought. Quote Link to comment Share on other sites More sharing options...
forkrentfitter Posted August 21, 2010 Share Posted August 21, 2010 Won't be long before you need seperate insurance and MOT for trailers. They already do in most of Europe so we are bound to follow..... Just a thought.this has been suggested as far back as year 2000,good in that it will remove some truly dreadful death traps,summer is interesting for us as we live on a road leading to a slipway,we must see at least a dozen trailers with collapsed wheel bearings each summer,they are usually blocking the road at straw bale carting time!! Quote Link to comment Share on other sites More sharing options...
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