Oh it was a long time ago when we had a caravan come off the car, the ball was on the caravan
this was typical at the time 1956 as the
Suez Crisis was on and petrol rationing. Dad had left the fuel cap keys at home, and at first was going to go back with just the car, (Standard eight) [how odd used numbers and got smiling face] then decided to take caravan, and forgot to re-tighten the hitch.
However it did not really become disconnected from the car, the safety chain mean it was still attached, so dad tried without success to guide the caravan off the main road and slow down really slowly, caravan followed car, but ran into car.
Did not claim off insurance, but also seen other accidents where it would be hard to cover the repair costs, where the over run brakes failed to work in reverse, so the braking arrangement would with the hand brake stop caravan rolling forward, but not in reverse, and latter safety chains were designed to engage the brakes, then break free, so unhitching on a hill the caravan ran away back wards, not ours thank goodness, and it ran into another caravan further down the hill and wrote them both off.
There has never been a requirement to insure the caravan, but after that we did, car insurance did not cover, you need to claim off the caravan insurance, it has been like this for as long back as I can remember, and I would always engage the motor mover as an insurance against running away like this. I have never known it be any different, had the old type safety chain been used, then it would be attached, but new type designed to break free, so yes you need to claim off caravan insurance not car.
So are you saying caravan insurance will not pay out, or car insurance will not pay out?
