Hiya so I have a question daft it may seem but as a virgin caravaner I need a little help and advice.
So our very first night in our eriba puk is booked in May 2 nights near Whitby, however a thought crossed my mind, we have got car insurance where both myself and beloved are insured to drive, caravan insurance, and breakdown cover for car and caravan all check. My question is do we need to check if car insurance covers pulling caravan? Also do we need to check caravan insurance and breakdown also covers the other half towing?

No question is daft. I'm not 100% sure, most breakdown cover is either for the car regardless of who is driving it or personal regardless of what vehicle you are in, which do you have? With the caravan insurance I have never been asked who is towing the van so I don't think it matters. The important thing is to make sure your breakdown will recover your caravan if the car breaks down away from site ie. without the van on the back.
Having said all that it doesn't hurt to check with the companies concerned, I used to work for a large insurance company, if they could wriggle out of a claim they would.

Hiya Julie thanks for this hugs

Just had a quote from Sage, they state that a tow bar does not count as a modification and no need to declare it. You have to declare to LV though so best to check. No extra charge with LV at point of sale but may charge for change of policy mid term.

Hiya Randa/stendeb
we contacted saga the oldie ins and they said fine no probs no extra charge etc. all sorted now on to what to pack for 2-4 nights and plan a journey eek, blessings Ry

My insurers classed my towbar as a modification and I believe that unless the towbar is standard on a new vehicle most insurers want to know and what purpose you are using it for. This doesn't normally attract an extra payment.

Quote: Steve and Debbie wrote in post #5

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Just had a quote from Sage, they state that a tow bar does not count as a modification and no need to declare it. You have to declare to LV though so best to check. No extra charge with LV at point of sale but may charge for change of policy mid term.

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Hi RevRy
like many others my insurance Aviva wanted to know that I had a tow bar fitted but that was all.

I hope you really enjoy your first trip. We were really nervous with ours and double checked everything and still did some silly little things which we smile about now.Mike T

thxs all