Warning! Insurance for towing
If towing your boat are you properly insured?
I was renewing my car insurance the other day and asked for them to confirm I was covered for towing. I was told yes, I was covered for third party risks on what I was towing and fully comprehensive on the car.
I then happened to mention it was a boat I towed and wished to have it covered for towing abroad. I was then told that they covered caravans and general trailers but not boats or boat trailers, either in the UK or abroad! My car insurance company is LV.
I then contacted my boat insurance company GJW who confirmed that my boat was insured for trailing in the UK but not abroad. I needed to advise them on any trips abroad for it to be covered. However, they stated that the insurance covered only damage to the boat and/or trailer whilst trailing and did not cover any third party risks. They assumed this was covered by motor insurance.
This implies that if my trailer ran over someone’s foot for example or ran backwards down a hill causing injury or damage I would not be covered.
Have other people checked their insurances to see if they are properly insured, in this respect, for third party risks when towing?
What types of insurance do other people trail their boats with?
Regards
David Peck
CC94 Whistling Rufus