Caravan breakdown insurance only
Does anyone have this plse? I have a new car with breakdown insurance for 3 years. The caravan would be recovered with the car if the car breaks down, but if the fault is with the caravan only, no repair or recovery of the van. This is not a problem with
my current Mayday and Red Pennant insurance, but was looking to reduce the cost by having caravan breakdown insurance only whilst my towing vehicle is under warranty. Thanks.
Comments
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Unfortunately nobody seems to supply this. Possibly the problem would be the premium would be so low that it is not worth issuing. The cynical side of me says they would rather sell you the more expensive policy including the car even though you do not need
the extra.0 -
Saga offer caravan breakdown/recovery as an add-on to their caravan insurance, but only for the over 50s .
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I am trying to think of the reasons why the caravan itself would 'break down' (not an accident; and nothing wrong with the towcar). If adequately maintained, the only catastrophic event I can think of would be a burst tyre? Wheel bearing or brakes would most likely give some warning. (Electrics I don't consider would warrant needing assistance).
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..... (Electrics I don't consider would warrant needing assistance).
Why? Anyone could damage the plug on their caravan beyond being able to use it, no lights on the caravan could be considered as making the caravan not fit for the road. A little assistance would be nice.
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There have been cases of caravan wheels falling off. And we once had an overrun hitch mechanism which jammed and locked the caravan brakes on.
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A while ago I forgot to put a twist in the cable to the car and after about an hours towing all sorts of warnings were lighting up in the car, the cable had almost worn through.
Fortunatly I had the gear to make a temporary fix till I got home when I could replace the whole cable.
Im sure not everybody would have the parts or ability to do their own repair and would require some help.
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"Why? Anyone could damage the plug on their caravan beyond being able to use it..............."
I meant that I would just get on with it and fix it myself. OK, I might conceivably have to source a part and be delayed ....but I am willing to accept that remote possibility.
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"Why? Anyone could damage the plug on their caravan beyond being able to use it..............."
I meant that I would just get on with it and fix it myself. OK, I might conceivably have to source a part and be delayed ....but I am willing to accept that remote possibility.
So would I normally, but I don't always take any tools with me .... May Day does though
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Thanks for comments so far; not looking like there's a stand alone offer at the moment. Quite a few things can go wrong to prevent using the caravan on the road, from mechanical/electrical failure to accident damage. Mayday will cover this, but only if you
have a policy for the car. Gap in the market, which surprises me.0 -
"Why? Anyone could damage the plug on their caravan beyond being able to use it..............."
I meant that I would just get on with it and fix it myself. OK, I might conceivably have to source a part and be delayed ....but I am willing to accept that remote possibility.
...So like us on one trip at night pulled into layby to to take off my jacket,decided to check van and found 13pin lead rubbing on road,undid cable to alter cable run,then could not get plug into socket,as early ones were prone to slip out of line,and c/van was then imobile as it was dark
Mayday to rescue,he had a 13pin plug on board,but managed to move our plug back in line
ps , we now carry the green tool!!!
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I bought my car new with Landrovers 3 year breakdown cover included, but also purchased Greenflag Mayday. Ok I had two lots of cover for the car but it was a small price to pay after the bigger cost of the car.
...And if going on holiday in UK Mayday will take the whole lot there and back if needed
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that should read:
"small price to pay after the MUCH bigger cost of the car."
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When I bought ny present car (11 years ago) I ignored the recovery and took out a Mayday Policy to cover me and OH in any car, If going to a pre-booked destiation take us there and home when ready if we wish or take us there and car to local repairer, Will recover after an accident and bill insurance.
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Land Rover have said they would come out in UK or Europe and fix the caravan at cost + call-out. Currently looks like my best option, but remain amazed you can't insure for caravan/trailer issues.
As above, it's obviously more proffitable for recovery firms to just do
both car & caravan0 -
Actually had this problem. Mayday took the car to a garage and took me back to the van. Said that if car not fixed in time, would transport us, the car and the van back home. Didn't get to test it as car repaired (new master slave cylinder and clutch) before
we were due to leave.0 -
Dazedram, I take it you must be under 50, because as I said earlier Saga does offer recovery to its caravan insurance customers - and to its motorhome customers too.
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Saga offer caravan breakdown/recovery as an add-on to their caravan insurance, but only for the over 50s .
I did try to check the cover but cold not see what it covers. Iis this for the caravan breaking down and will they give double recovery and if you break down away from the site tow you there and pick up the caravan.
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I am trying to think of the reasons why the caravan itself would 'break down' (not an accident; and nothing wrong with the towcar). If adequately maintained, the only catastrophic event I can think of would be a burst tyre? Wheel bearing or brakes would
most likely give some warning. (Electrics I don't consider would warrant needing assistance).I have seen a wheel come off a caravan on the motorway. This would probably mean an insurance job though. Not sure if a wheel bearing seizing or broken suspension would give you enough warning and even if it did you would still need assistance.
Even Mayday full cover is only just over £100 so balanced against the cost of a recovery it seems well worthwhile.
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My Mercedes cover, great solo, all over Europe, but they would not recover a caravan.
For £130, Mayday provide comprehensive cover for whole family, all four cars, the caravan, irrespective of size, but the clincher for me was the chaufeur service should not be able to drive. The wife won't drive my car, let alone tow.
The icing on the cake was the site night voucher, effectively bringing it down to £90.
Given what everything else caravan related costs, it's not worth scratting over.
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My Mercedes cover, great solo, all over Europe, but they would not recover a caravan.
For £130, Mayday provide comprehensive cover for whole family, all four cars, the caravan, irrespective of size, but the clincher for me was the chaufeur service should not be able to drive. The wife won't drive my car, let alone tow.
The icing on the cake was the site night voucher, effectively bringing it down to £90.
Given what everything else caravan related costs, it's not worth scratting over.
I have full Mayday cover as yourdelf. Would not want anything less in UK. Very happy.
Purely out of interest I put details of our two cars into online quote for Greenflag top offering, rather than Mayday. The result was £127. It might be because of the age of our cars. An 11 year old X-Trail and 16 year old Yaris. Mayday does provide us with
more with the Personal Cover.I have found them very good. A few years ago I woke up om a site in Scotland and found that I had lost most of the sight in my right eye.. Before that I only needed reading glasses if reading in poor light, I was unable to drive and, like you, OH won't drive
the tow car and won't tow. As long as I went to a doctors and got a note they would provide a chaufeur. Alternatively they offered to bill me and I could provide paperwork afterwards to gain a refund after returning home. In the event I walked into a local
chemist and picked up some reading glasses that provided enough sight in my remaining (weak) eye to read numberplates at the required distance and also to see the road and signs and was thereby able to drive back the 180 miles home.0 -
Earlier this year my car recovery expired, at 3 years old, and this coincided with my van insurance requiring renewal.
I posted on CT at the time and one of the sugegstions was to consider Safeguard as an alternative to RP as I needed European cover.
I had done quite a bit of 'research' which revealed that I, and I suspect many others, had been in blissfull ignorance of the restrictions on recovery of the caravan.
From an initial list of 9 companies a number were excluded as they would not recover a cravan as long as mine-7.3m-or would not recover unless attached to the car.
it ended up that only 2 would recover the caravan when it was not attached to the car. One was RP,as stated and the other Safeguard.
Another plus for Safeguard was how they responded to my telephone enquiries and got back to me in writing to confirm what had been said.
You can only get the cover as an add on to the caravan insurance but at £55,believe its now £65,it is a far cheaper alternative to RP and you also get the same 'double cover' in the UK so no need for Mayday adding to the savings.
As I said I looked into it closely, and called all those who seemed to be offering a suitable service, but all except RP and Safeguard could not, or would not confirm recovery of the caravan unless it was attached to the car and one poster on CT stated that
this had been his expierience when he was onsite, parked next to his van, but beacuse it was not hitched recovery of the caravan was refused.I have used RP in the past but, whilst you may not get that reassuring English speaking person, you are paying a lot to get that.
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I like the sound of the Safeguard breakdown / recovery policy covering Europe as well as UK which Allan and Jean have described, and if Mayday gave that breadth of cover I would be interested in it. But it's UK only.
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i have Green Flag and have done since i started caravaning so that my caravan and i would be recovered and tken home if i became ill an uable to drive. i have never used them until this year when my 9 year mercedes e class broke down. the people on the phone where very good and understanding as i have a hearing loss. they took there time in telling me what would happen and how long they would be to rescue me ,even though we was on a club site and my car had lost power. the mechanic arrived before the time they said . he was brilliant and had my car going again like clockwork in 40 minutes i am so glad i had green flag as i was worried about getting home or enjoying the rest of my holiday. but thanks to them no worries. worth every penny. dave
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