Insurance Gap

Yes that is spelled out as correct under the terms of my own caravan insurance and also for Caravan insurance via this Club.  Best read the small print for others. 

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Your liability insurance cover will still be part of your motor policy. Have you checked it? Who are the insurers?

Liverpool and Victoria who tell me that once the caravan becomes detached from the tow car then their cover ceases.

Such an event is specifically excluded from the club's policy which suggests that there is a gap in our Public Liability cover which is worrying me. 

I don't think you have a gap in third party liability. As I said earlier today, provided you have caravan insurance that takes over that liability to third parties once your caravan is detached. 

Actually this is wrong.

Your motor insurers will be held responsible for any Third Party Liability if anything becomes detached from your car and causes injury or damage to Third Party property or persons. This includes a trailer, a roof box, a caravan, or any part of your own vehicle.

Where I think LV= are confusing you is that they are assuming the caravan is detached and therefore your caravan policy will pick up the liability cover but whilst attached to your vehicle and becoming detached in transit it will be part of your motor policy.

The moment you voluntarily detach the caravan the cover under your motor policy will cease and be picked up by your caravan insurance.

I've just checked the LV= policy and the only exclusion relates to damage to the caravan or trailer itself not to other parties, so you are covered.

I would seriously suggest you return to LV= and ask them the question again, making absolutely sure they understand that you are only talking about the caravan becoming detached whilst towing and causing damage.

I underwrote, sold, and dealt with claims for clients for decades. I even had my own car insured with LV= for a few years and believe me they wouldn't have a 5* Defacto rating by excluding this cover.

Thanks, that is what I expected but after a long telephone conversation they were quite certain that their liability ceases the moment the caravan becomes detached even when the rig is moving.

I asked them forward a copy of the policy documents to me as I have lost the original. They said the would do so this afternoon but so far nothing has arrived so it looks like I will have to pester them tomorrow.

I would like written confirmation from them that I am covered having raised the matter. 

 

You can download their policy by going to their website. Comes as a pdf.

Op, did you get it sorted?