Taking the small tow car on holiday is it insured

Car insurance insuring small tow cars towing behind motorhomes

Car insurance insuring small tow cars towing behind motorhomes Motorhome insurance is quite debatable, to say the least, and the idea of taking a vehicle with you on a motorhome holiday appeals. On a simple subject, it attracts a lot of attention as the questions are is it legal and safe to tow a small car behind a motorhome? Ever wondered why some of the discussion is about being legal when towing a small vehicle behind a motorhome? Well, it’s simply who insures both the motorhome and small car? There are always questions asked when it comes down to towing a tow car. What’s the legal view, well almost any vehicle can be towed behind a motorhome, provided that the weight being used to facilitate the vehicle and that the tow car doesn’t exceed the motorhome’s recommended towing capacity.

Towing a small car with an A-Frame

Many motorhome owners like the idea of taking a small car with them on their motorhome holidays and the small car are towed with special A-frames behind the owner’s motorhomes is becoming more popular and simple car insurance cover may not do the job. Owners now realise that they need to be sure about what they are towing and in particular how heavy they are. Taking out motorhome insurance or campervan insurance is one thing having the correct car insurance cover in addition to a tow car is another. There is no doubt that towing with your motorhome can give you the flexibility of taking a car away with you.

What cover is required? 

More and more people are taking their car with them on motorhome holidays, as this makes life easy for site-seeing doing the shopping or going to that favourite restaurant is much easier to do. Having the right cover provides peace of mind that makes that small car well worth taking with you. Motorhome insurance reaches out for other insurance covers, such as travel insurance, health and breakdown insurance and recovery breakdown insurance cover however that cover for the tow car needs checking as there are no grey areas in any insurance quite simply “you are or are not covered”.

Other insurance covers to consider

Getting an A-Frame and tow bar fitted 

Now the leading question is it easy to find out about the costs of an A-Frame and tow bar? Also, a reversing camera certainly helps when towing a car behind the motorhome. The legal position at the moment is that you can tow trailers up to a certain weight with your car driving licence. Take note that the weight you’re allowed to tow depends on when you got your licence. You’ll need to know the weight of both the vehicle and trailer this is also known as the ‘maximum authorised mass ( MAM ). Also, remember 4×4 that automatic gearboxes will need to be on a trailer not towed from behind on an A-Frame. There is plenty of specialists who fit tow bars and A-Frames some who just sell a small tow car all ready to go.

Cover while you are on holiday? 

What about that home insurance coverage while you are away? All things considered, that small tow car may be a godsend when away in your motorhome but what are the true costs should you break down? If the tow car is covered it may be using the car breaking linked to the motorhome so, when the motorhome breaks so does the car.

This does make a difference and some insurers may take an overview of what can be covered. The other thing to consider is your house is covered if you are away for a long holiday. Home insurance is pretty straight forward but many insurers put a limit on the length of cover when the home is unoccupied.

Cover in case of an accident

Here at motorhomes campervans, we try to help anyone who is looking for a quote or price for a motorhome whilst we have links to many different leisure services some of which are insurance comparison advertisers. They usually have top brand names using their platform to compare insurance quotes on all sorts of policies for motorhome insurance, campervan insurance, caravan insurance as well as domestic insurance like home insurance and pet insurance. When taking motorhome holidays it is nice to see what other motorhome and campervan owners are taking with them and as we have pointed out that could be specific like tow car insurance or Gap insurance in case you have a major accident and write-off your leisure vehicle.