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Main Section => Welcome to our virtual Pub Meeting ... => Topic started by: Landyowner11 on January 19, 2022, 12:21:18 PM
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Kinda landrover related, it's pulled by a landrover..
I need some insurance for my flat bed trailer, not having g had any before would anyone here have any recommendations in company's?
I just need a policy to cover theft and accident damage on a private domestic use trailer.
What should I be paying?
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Can't advise directly, but why not have a chat with Universal Trailers in Billingshurst?
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Mine are insured with NFU.
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Mine is with my car insurance NFU.
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For domestic use see if you can get it added onto your car policy if not already covered. We use NFU but it is for commercial use
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Hi
Mines with cherished car ins with the series and tractor.
Ifor lm166 £20-00 a year.
:cheers
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Right first quote I had back was £110 for the year! I think I'll try My car insurers tomorrow to see if they can offer anything
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Hi.
Please feel free to give us a try for trailer cover if you wish.
https://www.adrianflux.co.uk/trailer-insurance/
Regards,
Dan.
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Mine is with my Defender insurer - NFU. I know that's not much use as I don't recall how much it was but I'll check.
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Had a word with nfu and unfortunately they can only add a trailer to a vehicle policy so not a option for me currently.
Adrian flux came back at £90 for the year. Do they offer club discount?
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Did you ask ???
Most of the classic car insurers give a discount if you are a member of a car club.
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I didn't no but I shall call them back to see what they can do
Did you ask ???
Most of the classic car insurers give a discount if you are a member of a car club.
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Its always going to be cheaper to add the trailer to an existing policy than have it as a standalone. At the sort of prices we are paying for our vehicles the staff, admin and IT costs must take up a very high % of the total bill.
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Hi,
Your trailer is covered by the tow-car's policy when they are connected ... but I don't know if that is Comprehensive. I'm pretty certain it does cover Third Party.
Your house insurance probably covers the occupants against non-3rd party claims, and theft of bicycles, etc. I assume jewellry is covered when away from the house ... and even abroad.
It might be worth reading both policy documents.
Would your house policy cover a trailer when not "motorised"? Dunno!
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I was told that any trailer being towed correctly was covered for 3rd party insurance only, not any damage or loss to the trailer.
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I always think it is a nice point about, third party cover, does it cease if it comes detached ,as its not longer being towed ?
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The legal eagles would have a field day with that one!
Arguably the intention would have been for it to have been towed, so unless it could be proven that disconnection has occurred through negligence you are probably safe.
So speaks the person who's Discovery 3 removeable tow bar fell out while towing my trailer one day... No damage done thankfully.
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Hi,
In France, trailers require their own registration plate, etc. I think they also required their own insurance, but I don't know the details.
Does UK insurance still cover mainland EU, or have we reverted to pre-EU requirements, when I presume you could (in theory) insure your trailer, for life in UK, using an EU insurer?
Er ... caravans are trailers, but can be insured independantly. Worth asking a specialist broker. Similarly boat trailers.
So speaks the person who's Discovery 3 removeable tow bar fell out while towing my trailer one day... No damage done thankfully.
So there I was driving along, nonchalently, as you do ... when I suddenly realised there should be a caravan in my mirror. Sorry, I can't remember how/why, so it couldn't have been anything serious.
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French trailers over 500kg GROSS need to be registered, carry their own number plate and be insured in their own right. (Was 750kg until a few years ago.)
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^^^ Trailers having their own plates etc is quite normal in many countries. I once had to get a newly imported trailer put onto Polish plates. The trailer had been built in Sweden. Very strict MOT type inspection was part of the process.
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and be insured in their own right.
Hi Herald,
It's been quite a few years since we sold our place in France.
Memory tells me that after 183 days (cumulative) in any year, your UK vehicle had to be considered a "resident", and comply with French regulations. I don't know who counted the days, as being in the EU, our trucks were not counted in and out .... the car park at Dinan airports was full of of "established looking" Channel Island registered cars.
Er ... the Channel Islands were not (then?) part of the UK, nor the EU (although I understand there were FRENCH plans to incorporate them into either Normandy or Britanny, according to Radio Jersey (which we could receive in Evran, near St.Malo).
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I was told that any trailer being towed correctly was covered for 3rd party insurance only, not any damage or loss to the trailer.
Hi,
I'd agree with the above, subject to one's driving licence covering the ALW of the combination.
I'm guessing that exceeding the MGW of the combination should not disbar the insurers from paying out for 3rd Party claims, but the RTA give the insurers the right to recover their losses. I think thats Para 143 (or 148?) of the RTA, but I'm happy to be corrected.
The poor insurance companies find it very difficult to not honour a 3rd Party claim ... provided you comply with the terms on the CERTIFICATE of insurance, but subject to the exceptions on the back of the certificate.
I would not be without LEGAL PROTECTION (about another £10 ... ? ... on the premium.) Barbara's incident with an undertaking articulated lorry on the M4, was settled promptly (and generously) by LV, but she lost her NCD, and had to pay the first £1,000. The HGVs owners ignored all correspondence. Barbara invoked her LEGAL PROTECTION, and LV pursued it through the courts. It took two years , with the Supermarket (who insured themselves) ignoring all correspondence, but settling on the "Courthouse steps". Immediate return of NCD, and refund of the £1,000. Her SAAB was a write-off.
The "undertaking" was legal ... two lanes, 50 mph limit due to road works on M4. The Highway Code permits, the inner line of traffic to undertake a slower line of traffic. On that particular stretch of the M4, there was a 50mph limit due road works. The two lines of traffic were taking turns at passing each other.
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