Car Insurance for Towing in Europe

DanielTaylor
DanielTaylor Forum Participant Posts: 7
edited May 2021 in Overseas Campsites & Touring #1

Our car insurance has been through a broker for many years and it includes covering us for towing the caravan (3rd party) in the UK and Europe. 

The insurance is now up for renewal and looking around there are lots more competitive deals to be found on go compare, money supermarket etc..... and I wondered if people had any car insurance firms to recommend or avoid specifically around getting coverage for towing a caravan in Europe? 

We'd only be going for 2-3 weeks at a time, so no extended touring or special circumstances, but I had heard that some insurance firms would only insure caravans below a certain length for example?

I don't want to hunt down the cheapest deal only to find it doesn't cover us when it comes to going on holiday! 

Thanks Dan 

 

 

Comments

  • eurortraveller
    eurortraveller Club Member Posts: 6,829 ✭✭✭
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    edited May 2021 #2

    If you choose a motor policy with a five star Defaqto rating you won’t go far wrong. 

  • commeyras
    commeyras Club Member Posts: 1,853 ✭✭✭
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    edited May 2021 #3

    Further to ET's comment, the Club's policy covers for Europe although it may not be the most competitive.  Tip, don't just look at one comparison site look at 3 or 4 as you already seem to have done.

  • eurortraveller
    eurortraveller Club Member Posts: 6,829 ✭✭✭
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    edited May 2021 #4

    Alas my quote today from the Club was £671, but a new five star policy from John Lewis Finance was £293.

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited May 2021 #5

    We use SAGA, no time limit on trips so you can travel for as long as you wish.

    Green card not an issue, we will need one from now on.

     

  • Unknown
    Unknown Forum Participant
    edited May 2021 #6
    The user and all related content has been Deleted User
  • commeyras
    commeyras Club Member Posts: 1,853 ✭✭✭
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    edited May 2021 #7

    I am with LV too.  Just suggested the Club as another quote source.  ET your quote from the Club was outrageous!

  • Wherenext
    Wherenext Club Member Posts: 10,601 ✭✭✭
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    edited May 2021 #8

    I use General Accident, part of the Aviva Group.

    Gives me 90 days in any one trip to Europe and has no limit on length of caravan, at least not shown on the policy document.

    Remember to inform any insurer that you have a towbar fitted as they classify it as an accessory.

  • Tigi
    Tigi Forum Participant Posts: 1,038
    500 Comments
    edited May 2021 #9

    I use SAGA (over fifties only) which is underwritten by LV a slightly more enhanced policy at an enhanced price of course, I like SAGA easy to deal with and paperwork is straightforward. You can sign up for a fixed three year price which probably is`nt cheaper but you know where you are, gives good continental cover etc.

  • cyberyacht
    cyberyacht Forum Participant Posts: 10,218
    1000 Comments
    edited May 2021 #10

    I did OH's car on a three year price at last renewal. Seriously thinking of it for the Moho as it will save three years worth of hassle.

  • Metheven
    Metheven Club Member Posts: 3,987 ✭✭✭
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    edited May 2021 #11

    I always look around each year and insist when renewing they remove my 'auto renew' option.

    The last 4 years was 'Halifax' then 'SAGA', and for two years now it has been through the CAMC dealing with 'AGEAS', last years came in at £291.42 and this year in March a reduction at £276.36.

    It gives me 90 days in the EU and is within our annual (use to be) 10-12 weeks overthere. Of course I do 'belt and braces' and take out Red Pennant (others available) to cover everything that could go wrong with the caravan and ourselves whilst abroad.

    I have no loyalty to them, only if the price is right.

  • allanandjean
    allanandjean Forum Participant Posts: 2,401
    1000 Comments
    edited May 2021 #12

    Hi Daniel, If looking for any 'financial' advice/prices I always go the Money Saving Expert.

    I accept it can be repetitive, time consuming and all a bit of a faff but I would rather get my info direct and only look for pointers from a forum.

    My recent renewal, form my exiting insurer, was app £600, I queried it and it dropped to £500.

    I then followed MSE advice re comparison sites and insured with AVIVA for £350 and this included European cover.

  • DavidKlyne
    DavidKlyne Club Member Posts: 13,859 ✭✭✭
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    edited May 2021 #13

    I have never been able to get a sensible car insurance quote out of the Club. Caravans and Motorhomes have been more competitive so its difficult to understand why they are so wide of the mark on cars? We don't take our car abroad now because we have a motorhome but like ET we have found John Lewis very competitive for car insurance, even a bit cheaper but it is a smaller car.

    David

  • DanielTaylor
    DanielTaylor Forum Participant Posts: 7
    edited May 2021 #14

    Thanks for all the replies, after a some digging around last week I was able to get a new five star Defaqto rating policy with a different firm & saved a few hundred pounds off the renewal quote from my current insurer.

     

     

  • iansoady
    iansoady Club Member Posts: 419 ✭✭✭
    edited May 2021 #15

    I was a loyal LV= car insurance customer for years till last year when they hiked my premium by about £80. Using confused. com got the identical cover from Hastings Direct for a premium £150 less. My wife's car has also been insured with LV= and her renewal is due shortly - last premium was £466. I checked with moneysupermarket and got a premium of £182. And this was from LV=.

    It's a different story with my (classic) motorcycle insurance however - the broker I use is consistently cheaper than anywhere else I've checked. Peter James if anyone's looking. The current premium is just over £100 for 2 bikes with total agreed value of £9,500. This premium includes UK and EU wide breakdown and recovery cover!

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