Insurance whilst towing

[dirty_dog]

Does anyone know of any restrictions to their car insurance whilst towing? I've spoke with Admiral making sure they know about the tow-bar now its renewal time on the car and queried with them the insurance situation when towing. They tell me if I tow any van over 23ft then my insurance is invalid!

Do most insurers have this kind of restriction or can I cover myself via some kind of 3rd party? I'd be interested to hear what you all do!

Thanks

[surveyor]

Never seen this before. My only restriction is that trailer only covered 3rd party.

Don't think I've ever seen anyone post anything good about Admiral.

[R0G]

https://www.gov.uk/towing-with-car/car-towing-weig...
Admiral stated the max legal towing length with a B category vehicle

[dirty_dog]

Just spoken to them to clarify - got someone who knew what they were talking about. The 23ft limit is if you have breakdown cover for recovery purposes. They conformed the vehicle is covered as per policy and towed vehicle 3rd party (as long as its attached to the car.)

[R0G]

dirty_dog said:

Just spoken to them to clarify - got someone who knew what they were talking about. The 23ft limit is if you have breakdown cover for recovery purposes. They conformed the vehicle is covered as per policy and towed vehicle 3rd party (as long as its attached to the car.)

The limit length is THE LEGAL TOWING LIMIT = LAW so not insured if law is broken

[dirty_dog]

R0G said:

The limit length is THE LEGAL TOWING LIMIT = LAW so not insured if law is broken

Yes they mentioned that which I understand and that makes total sense. I was bemused by the 23ft limit but I'm not sure the person that told me that even knew what a towbar was (probably).

[surveyor]

R0G said:

https://www.gov.uk/towing-with-car/car-towing-weig...
Admiral stated the max legal towing length with a B category vehicle

I have doubts on that towing length. There are plenty of 26ft caravans, which on the face of it would not be legally tow-able. Perhaps it does not include drawbars and the like.

ETA - the 7m does not include drawbar or coupling.

Edited by surveyor on Tuesday 30th September 15:25

[TwigtheWonderkid]

R0G said:

dirty_dog said:

Just spoken to them to clarify - got someone who knew what they were talking about. The 23ft limit is if you have breakdown cover for recovery purposes. They conformed the vehicle is covered as per policy and towed vehicle 3rd party (as long as its attached to the car.)

The limit length is THE LEGAL TOWING LIMIT = LAW so not insured if law is broken

Not so. UK insurance gives tp cover for anything that's towed, regardless of it being within the law or not. In the same way as if you hit someone whilst speeding, the fact that you were acting outside the law would have no effect on the tp damage cover.

If you were towing an illegal trailer and had a crash, and your own car was damaged, and you had comp cover, it may have an effect on the claim for your own damage. That would depend on the circumstances of the crash and a whole load of otheh factors.