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Exceeding the 85% rule.

Simol replied on 24/12/2020 15:58

Simol profile picture Member

Simol

Caravanner from Kent

Posted on 24/12/2020 15:58

I am considering the possible purchase of the new Coachman Lusso!  All 1950kgs of it!

I drive a 2019 Seat Tarraco 190 bhp, which is four wheel drive and can tow up to 2,300kgs (braked), which I would prefer not to have to sell.  However the 85% rule for this car is a couple of hundred kgs lower than the 1950kgs of the Lusso.  

I have been towing caravans for nearly 40 years and consider myself to be a very safe and experienced driver and caravan 'tower' but have always stuck to the 85% rule. 

The Lusso is  twin axle and should therefore inspire more secure and  confidence-inspiring towing manners?  

Thoughts please would be much appreciated.  85%

12 replies

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Tinwheeler replied on 26/12/2020 17:34

Tinwheeler profile picture

Tinwheeler

Campervanner from Cornwall
Posted on 26/12/2020 17:29 by lagerorwine

Is there a car insurance issue if the caravan is heavier than the kerb weight?

Posted on 26/12/2020 17:34

I don’t believe there is any stipulation in law regarding kerb weight and towed weight and, providing the rig is legal, that's all that matters to an insurance company.

Rayrowe35 replied on 27/12/2020 21:49

Rayrowe35 profile picture Member

Rayrowe35

Caravanner from Kent
Posted on 26/12/2020 17:34 by Tinwheeler

I don’t believe there is any stipulation in law regarding kerb weight and towed weight and, providing the rig is legal, that's all that matters to an insurance company.

Posted on 27/12/2020 21:49

I used to have a Direct Line insurance, which clearly stated that a trailer could only be towed if it was below the tow car kerb weight. I am sure other insurers have the same rule. I often tow at 90% kerb weight, but this is 110%. Your minimum nose weight will be 78 kg, which means you have to be between 78 and 80 kg. Good luck with that one.

 

Regards,

Rayy

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