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towing a trailer


mossy835
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Normally when the trailer is being towed it is covered by the car insurance but only 3Rd party. So should you hit someone with it or even if the trailer breaks away and causes damage the insurance will pay out whoever you hit but not for the value of your trailer. If it is stolen in petrol station or something it won't be covered.

 

You don't normally have to tell the insurance company you have fitted a tow bar as it's a factory option rather than a modification.

Edited by ferguson_tom
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You do need to tell your insurance company that you have a towbar fitted. It is always classed as a modification.

At least one company (Kwikfit I think) will not insure a car with a towbar fitted. They told me so after I had been insured by them for nearly a year, but had not realised I had to tell them.

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Kwikfit,,,I wouldn't even let them fit a tyre..Why..

Had one ftted at 7pm,120 miles later it blew out on the motorwy doing 40mph..

I had just come off the slip road,When it went,made me pay 90% of a new tyre again.

Showed them the reciept from the night before in the glove box.

And they are into insurance,,,I don't think so..

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Interesting but they cover you for towing as standard but not if you don't tell them you have a towbar?

I do not see why they should worry about it I was told many years ago that having a tow bar fitted to a car / truck is good as it can stop your car from a hole load of damage if someone goes into you rear end also some cars have there fuel tank at the back and stiffening up the back of the car is no bad thing.

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I do not see why they should worry about it I was told many years ago that having a tow bar fitted to a car / truck is good as it can stop your car from a hole load of damage if someone goes into you rear end also some cars have there fuel tank at the back and stiffening up the back of the car is no bad thing.

Unless your the insurer of the other car.... when I fitted my tow bar a formed piece of aluminium came out and heft bit of box section went in.

 

It will be down to the stats of claims costs

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  • 5 weeks later...

There is another issue with trailers, what you are using them for.

 

If used privately say for taking rubbish to the local tip then no issue but if used to transport goods used for business or doing deliveries for same then a tacho will be needed if the fully laden weight of towing vechicle and trailer when fully laden exceeds 3.5 t.

 

I got pulled off the M6 with a Disco and twin axle IFW, my max train weight was 5.5 tonnes and no tacho !!, luckily it was a Police training excercise but I was told to get one fitted asap. I could have been fined £1500. My local mower agent was pulled and prosecuted for exactly that a short time after.

 

A

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