Don’t forget the insurance!
As well as checking what cover you have if you break down, you also need to make sure you have the right insurance in place if you are using a trailer.
First and foremost, it is important to stress that you must notify your insurer if your car has a tow bar fitted in order to make sure that damage caused by your trailer or your car to third parties is covered. The towing vehicle should be insured for the purpose of towing and the boat/trailer should be separately insured.
Liability for damage caused by the boat / trailer combination when it is attached to the towing vehicle, or when it has become accidentally detached from it, should be covered under the third party liability section of the vehicle’s insurance policy. Damage caused to the boat/trailer should be covered under the boat’s insurance policy.
The exact cover however is a matter of contract between insurer and policy holder. If in doubt as to whether you have the required cover, or what your cover includes, always check with your insurer.
We would always advise our members to enquire with their insurers and roadside recovery providers as to whether their policy covers not just the towing vehicle, but the trailer and boat as well.
The RYA also provides detailed guidance for its members on the rules and regulations for trailing and roof racking in the UK. For more information, contact the RYA Legal Team on 023 8060 4223 or email@example.com.