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What are The Car Insurance Rules for Towing a Caravan?
Getting away from it all with a caravan is a very popular weekend and holiday activity in the UK.
But do you know the insurance rules for car insurance when towing a caravan?
There are a couple of issues that you need to be aware of if you are new to caravanning.
Firstly, tow bars (and roof racks) are classed as modifications by insurers and need to be declared when you are applying for insurance cover. You should not assume that your car insurance policy covers you for towing a caravan, and if it does you should check whether your cover imposes any size/weight restriction.
You should also check your driver’s licence to see whether you are entitled to tow as the law was changed in 1997 and again in January 2013.
If you passed your test before 1997 you can tow any outfit where the combined MAM (Maximum Authorised Mass) does not exceed 8,250kg. Maximum Authorised Mass means the maximum total weight that a vehicle or trailer is designed to carry. It is set by the vehicle’s manufacturer and includes the vehicle weight and the maximum load it can carry.
If you passed your test after 1997 you are restricted to a combined MAM of 3,500kg and the trailer MAM must not exceed the unlade weight of the towing vehicle. Also you must pass an additional driving test in order to gain entitlement to category B+E (Car and Trailer combinations), and also for all larger vehicles.
From January 2013 drivers passing a category B (car and small vehicle) test can tow small trailers weighing no more than 750kg and a trailer over 750kg as long as the combined weight of the trailer and towing vehicle is no more than 3,500kg Maximum Authorised Mass (MAM).
Secondly, your car should be of a suitable size and weight for the caravan you wish to tow. Many people use Land rovers for the purpose, but you should still ensure that your Landover’s insurance policy covers towing and therefore you should still declare modifications to the vehicle as describer earlier in this article.
Remember also that your Cheap Business Company Van Insurance Deals does not cover any damage to or theft from your caravan; it will only cover third party claims in the event of an accident.
If you are new to caravanning the Camping and Caravanning Club website is a good source of information.