Insurance On Your Toad

Discussion in 'Motorhome Chat' started by Foghorn Leghorn, May 11, 2015.

  1. Foghorn Leghorn

    Foghorn Leghorn Funster

    Joined:
    Oct 26, 2014
    Messages:
    209
    Likes Received:
    148
    Location:
    Dumfries and Galloway
    we are having our second car converted for A-framing but just in the UK , do car insurance company's charge more for cover or does it not affect the insurance
     
  2. icantremember

    icantremember Funster

    Joined:
    Sep 2, 2010
    Messages:
    5,066
    Likes Received:
    7,120
    Location:
    Nr Watton in Norfolk
    I have both the m/h and toad covered by NFU on the same policy and I'm sure there is no extra cost for being a toad.
     
    • Like Like x 1
  3. Tea Bag

    Tea Bag Funster

    Joined:
    Nov 3, 2013
    Messages:
    1,164
    Likes Received:
    1,945
    Location:
    Portugal
    Hi.
    About 4 years ago,i spoke to a lady at Comfort Ins. about the Unit and Toad,if i remember rightly,the toad is only covered by 3rd party ins. while being towed. It was a long time ago,but this company i am sure will put you right. I have no connection with this company,but the clear advice i was given re.ins. for the van and maybe toad, was first class. As quoted.."If i remember rightly"
    Tea Bag
     
    • Like Like x 1
  4. GWAYGWAY

    GWAYGWAY Funster

    Joined:
    Sep 6, 2014
    Messages:
    1,907
    Likes Received:
    1,402
    Location:
    Dover
    YOU CAN AFFORD THEM? I asked a quote and they wanted £900 + for the van I got it for £230 I also have the house and wood with them though.
     
  5. icantremember

    icantremember Funster

    Joined:
    Sep 2, 2010
    Messages:
    5,066
    Likes Received:
    7,120
    Location:
    Nr Watton in Norfolk
    I usually have to twist their arms each year but final price is ok.... I have been with them for 7 or 8 years and have most of my insurance with them including all my vehicles, home & contents and annual travel.
     
  6. pappajohn

    pappajohn Funster Life Member

    Joined:
    Aug 26, 2007
    Messages:
    29,484
    Likes Received:
    16,967
    Location:
    YO11 2BD
    I never did find out if NFU class a toad as a trailer in its own right but i do know if the trailer is attached then it is covered for up to £1000 against own damage and theft.

    This excludes livestock trailers and caravans.

    The towing vehicles insurance covers 3rd party claims as long as its being towed at the time.

    ie: if while unhitching the trailer it should run away and hit a car/house/person....tough, NFU wont pay out Unless you have paid for trailer insurance seperately....which if its a toad it will be anyway.
     
  7. schojac

    schojac Read Only Funster

    Joined:
    Apr 25, 2009
    Messages:
    339
    Likes Received:
    234
    Location:
    Cambridgeshire
    Tricky one this and easy to fall foul of small print. Toads are covered whilst being towed by the towing vehicles insurance - as long as you have declared your intention to tow. However, the vehicle being towed, classed as a trailer, is only insured to a max of £1K. If the toad is worth more than this then it needs to be insured and declared under its own insurance - many companies will NOT do this. After several phone calls the only Ins company I could find was Aviva who have insured my Aygo fully comp for £200.
     
Loading...

Share This Page