Motorhome insurance FAQs

I tow a car behind my motorhome using a trailer, does your motorhome insurance policy cover this?

Caravan Guard motorhome insurance provides third party cover whilst a car is being towed behind your motorhome by a trailer. It is your responsibility to make sure that if you use a device to tow a vehicle behind your motorhome it meets any legal requirements and you are towing subject to any limitations on your driving licence or cover might not be in force.

Under the Road Traffic Act, we cover any legal liability for damage caused by a car on a trailer to third parties whilst being towed using the motorhome – this includes damage caused when the car trailer becomes detached during towing. We also provide cover for the trailer up to a value of £1000 (refer to our policy wording for the definition of a trailer). However, understandably our motorhome insurance policy would not provide cover for damage to a car itself whilst it was being towed behind a motorhome.

The trailer must be used solely in connection with the motorhome and must be locked away or fitted with a hitchlock or wheelclamp when not in use.

In the event of the motorhome breaking down, it is important when calling the helpline to advise that a car trailer is fitted.

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