Toad insurance

Discussion in 'Motorhome Chat' started by Loddy, May 13, 2009.

  1. Loddy

    Loddy Read Only Funster

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    Hi Guys and Gals

    I need an Insurer who will insure my Smart car when being towed, my Motor home insurer won't do it, I have tried quite a few but get a blank response, normally "what" on a what with a what!! you can tow a trailer, no I don't whant to tow a trailer the car becomes a trailer !!! what

    I await in anticipation

    Indy
     
  2. pappajohn

    pappajohn Funster Life Member

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    not with them personally but << NFU >> do toad insurance.:thumb:
     
  3. Geo

    Geo Trader - Funster

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    John Is correct
    I have my RV and A framed Toad covered by NFU, call the Louth office ask for Sarah, she is well clued up on all things Motorhome:thumb:
    Just google NFU Louth office for the number
     
  4. davejen

    davejen Funster

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    Hi, I can second or third what's already been said, I insure both my m/h and smart with the NFU.
    Regards, Dave:thumb:
     
  5. Loddy

    Loddy Read Only Funster

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    Thanks
     
  6. 45eEver

    45eEver Read Only Funster

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    Indy, I put the same question to the insurance company that covers my towed car.

    I explained that the towed car fulfilled all the legal requirements for a trailer and that the Department for Transport accepted that cars towed on an A-frame were legally trailers.

    My towed car's insurers fobbed me off.
    I persisted and persuaded them to put it to the underwriters.
    The underwriters agreed to extend fully comprehensive cover on my towed car to when I towed it on and A-frame.
    The insurance company added a note to my policy.
    I have it all in writing.

    This means that my towed car has fully comprehensive cover when I tow it on an A-frame.

    I went that route because as far as I can see, when I tow it, it is only covered third party by my tow car policy.

    I only know of one company that gives fully comprehensive cover on trailers.
    They are a specialist company.
    They decided it wasn't the type of trailer they liked to cover.

    I suggest you check with the NFU to see what type of cover you have on you Toad when you tow it behind your M/H.

    It may only be third party - no fire - no theft.
    Trailers often are.

    Make sure they put it in writing.

    'most (but not all) car insurasnce policies will cover any damage the trailer causes to someone else’s property BUT not your own.'

    NTTA Trailer Insurance
     
  7. lookback

    lookback Read Only Funster

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    My towed car is covered by NFU. I have a letter from them saying "I can confirm that your car is covered fully comprehensively which includes accidental damage on the road and also whilst it is being towed on the a frame"

    So what is the problem?
     
  8. Geo

    Geo Trader - Funster

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    45e Is mearly trying to educate the unwary, Most Insurers will allow you to tow a vehicle some wont, some third party only, some fully comp, it pays to check and prudent to get it in writing as you have done:thumb:
    Also some people ask their insurers "can I tow a trailer with a car on it" , the answer is mostly Yes.
    What they dont tell you is its only the trailer thats coverd the "Goods in transit" (the car) is not coverd at all, not even by its own fully comp insurance whilst its on the trailer,:Eeek:
    Unless you know, there is only one very expensive way you will find out:Doh:
    Geo
     
  9. Loddy

    Loddy Read Only Funster

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    Thank you everyone, I rang NFU Louth and spoke to a very nice Charlotte and the toad is now covered fully comp whilst on tow.

    Motorhome passed it's MOT today (got it weighed on the way and it's fairly loaded but still have 1.2 tonnes payload ) and I am almost ready for the off on the 3rd June to france for 6 weeks and then home for a month and then chasing the horizon, getting excited.

    Indy
     
  10. nomadic

    nomadic Funster

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    Hi Geo,

    From your post on fully comp insurance for the toad, with the NFU, when you are towing.

    We have been with NFU for at least 5 years, and we now have both M/H and toad on the same policy, so, having just renewed the policy, I have asked my branch (Leek) to confirm our insured status, when towing our toad. They are fully aware of the A frame use, and accept the toad becomes a trailer when being towed. There reply is as follows:

    "The car which is towed by the motorhome would be insured third party when being towed. This means damage to another vehicle would be claimed for under the motorhome's insurance policy and not the car.

    Damage to the car itself would be claimed for under the car's policy irrespective of whether this vehicle was being towed at the time or not. If the vehicle was not insured the M/H would only cover the towing car third party only and not comprehensively.

    Under the policy definations, the car becomes a "trailer" when attached to the M/H and any liability occurring in that instance would be claimed for under the M/H policy. Once the car becomes self-propelled, liability would be picked up by the car insurance and cease under the M/H as now the "trailer" becomes a "car" again."


    We all use the same company, same policy, so how can different branches offer different terms, if your issue is as said fully comp. when towed by your RV, on your RV policy, my next renewal will be transfered to Louth, as Leek are saying I use BOTH policy premiums to obtain fully comp cover.

    Nomadic
     
  11. 45eEver

    45eEver Read Only Funster

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    The way I understand it Nomadic,
    Your branch say the same as the other branch
    but put it a different way.

    They say your car is insured comprehensively under it's own policy with the NFU.
    when it's towed on an A-Frame.
    Which is what I understand the others to say.

    Damage to the car itself would be claimed for under the car's policy irrespective of whether this vehicle was being towed at the time or not. If the vehicle was not insured the M/H would only cover the towing car third party only and not comprehensively.

    Not all car insurers cover a car whilst it is towed on an A-frame.
    Your company does.
     
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