Wednesday, December 7th, 2022

Do I want insurance coverage to tow one other automobile with my automobile?

Towing one other automobile is a superb talent to grasp, whether or not it’s serving to get a pal residence after their automobile has damaged down, or you may have a caravan you utilize for holidays or a trailer you utilize to move work gear.

Folks typically ask for those who want particular insurance coverage to tow one other automobile. Usually you don’t, however if you’re towing one other automobile it can have to be insured as a result of there’s nonetheless an opportunity it might be concerned in an accident and broken whereas in transit. Your motor insurance coverage coverage will maintain you coated in that eventuality. Similar to an everyday automobile, the automobile have to be taxed and have a sound MOT if relevant.

Do I want particular insurance coverage to tow a caravan or trailer?

Insurance coverage isn’t obligatory for towing a caravan or trailer. Most automobile insurance coverage insurance policies will cowl your caravan or trailer, however they are going to solely be coated whereas hitched to the towing automobile and so they most likely gained’t cowl contents, nor injury attributable to a collision.

That’s why many individuals select bespoke caravan insurance coverage or trailer insurance coverage.

Right here the insurance coverage consultants at Adrian Flux reply a number of the commonest questions on utilizing your automobile when towing one other automobile, a caravan or trailer.

Who can tow one other automobile with their automobile?

The legal guidelines for towing one other automobile, a caravan or trailer differ relying on what number of years you’ve been driving. In the event you handed your driving take a look at after January 1st 1997 and haven’t sat a particular automobile and trailer take a look at, restrictions apply – the GOV.UK web site explains all the principles.

Do I want a tow bar to tow one other automobile?

You don’t want a tow bar to tow one other automobile as a result of all automobiles are constructed with protected and safe towing factors which you’ll hook as much as. You’ll need a tow bar to tow a trailer or caravan however bear in mind, a tow bar is taken into account to be a modification and you’ll have to notify your insurer and get modified automobile insurance coverage cowl.

Learn our weblog to seek out out how fashionable modifications have an effect on your automobile insurance coverage.

Do I must take particular precautions for towing?

In case you are towing one other automobile it should show an “On Tow” signal on the again and the individual behind the wheel must be a totally certified driver. It’s a good suggestion to show your hazard lights on to warn different drivers that you may be driving extra slowly, and performing manoeuvres extra slowly, than the site visitors round you.

What can I exploit when towing one other automobile?

When towing one other automobile you need to use a rope, chain or a tow strap particularly manufactured for the job.

The gap between the automobiles should not exceed 4.5 metres and if the space is greater than 1.5 metres, the rope, chain or strap have to be made clearly seen for different highway customers. Most individuals tie a vivid piece of fabric to the tow rope.

Are you able to tow a automobile on the motorway?

If a automobile has damaged down on a motorway you’ll be able to tow it to the closest slip highway, however you can not be a part of the motorway community if you’re already towing one other automobile.

Can I tow a automobile blocking my driveway?

In case your driveway is blocked by one other automobile, the possibilities are the proprietor of it has enterprise in your avenue and, hopefully, they gained’t be there for lengthy. Name in your neighbours to see in the event that they know whose automobile it’s.

It’s an offence to dam a driveway with a dropped kerb and in most areas, native councils are chargeable for implementing parking restrictions beneath the civil parking enforcement (CPE). Examine in case your native council makes use of CPEs – if not, name 101, the police non pressing inquiry line, for recommendation.

What are the most effective ideas for towing a automobile?

  • Solely automobiles with guide gearboxes might be towed.
  • Examine the towing rope, chain or strap for injury earlier than setting off.
  • Plan a route that avoids congested areas and many stop-starts.
  • Don’t join the tow rope to the bumper as you might nicely pull it off.

In case you are towing one other automobile:

  • Draw back gently and make no sudden actions or modifications in velocity or path.
  • Drive slowly. It offers you extra time to react and provides different highway customers extra time to see you.
  • Keep away from sudden breaking.
  • Point out early.
  • Examine your mirrors commonly to make sure every little thing’s OK behind you.
  • Cease for those who discover modifications in your oil stress or temperature gauge.

In the event you’re the driving force being towed

  • Go away the ignition on to make sure the steering lock is disengaged.
  • If the automobile has energy steering or power-assisted brakes, you’ll need to work tougher to maintain the towed automobile beneath management.
  • If it’s darkish, change on the lights. It’s a good suggestion to show in your hazards too.
  • Make sure that the automobile is in impartial and the handbrake is off earlier than you begin shifting.
  • Steer and brake in coordination with the automobile towing you and look out for its brake lights and indicators.
  • Goal to maintain the strap, rope or chain tight always to forestall jolting. You are able to do this by tapping calmly in your brake pedal.

All photos: Adobe Inventory Pictures.

What are the most effective ideas for towing a caravan or trailer?

The very best factor to recollect when towing a caravan or trailer is to plan your journey and to present your self further time to get the place it is advisable to go. You’ll drive extra slowly than regular and manoeuvres will take longer to carry out.

It’s a good suggestion to have a apply run towing your caravan or trailer in an space the place you are feeling assured and comfy.

Additionally, you will have to be educated of the legal guidelines regarding towing. Learn our weblog to learn how to keep away from committing widespread caravan towing offences. You could find extra recommendation in our weblog 10 ideas for first time caravanners.

Name Adrian Flux on 0800 369 8590 to debate your private home, automobile, van and motorbike insurance coverage wants – 79.5% of all prospects receiving a web based quote in July 2020 might have obtained a less expensive quote over the telephone, based mostly on the data they offered.

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