What is the law

[ted]

After receiving a thousand differing opinions on trailer legalities from a bunch of insurance companies today i thought i would i would ask these questions. Maybe someone has had some experience in this matter.

1 :  If i am driving a fully comprehensive insured registered vehicle with a registered ( but not insured ) trailer ( under the GVM ) in tow and i hit someone ( with my vehicle ) will my insurance cover the costs

(a) to the other vehicle

(b) to my vehicle

(c) to my trailer

(d) to any goods in my trailer

2 :  If i am driving a fully comprehensive insured registered vehicle with a registered ( but not insured ) trailer ( under the GVM ) in tow and i hit someone ( with my trailer ) will my insurance cover the costs

(a) to the other vehicle

(b) to my vehicle

(c) to my trailer

(d) to any goods in my trailer

3 : If someone runs into my registered ( but not insured ) trailer are they liable for costs

(a) to my trailer

(b) to any goods in my trailer

(c) to my vehicle

[KTMaico]

Slightly off the Topic.
I recently got a quote for insureing my Maico 490 pride and joy, got the cover I wanted and the price was good. I then decided to ask the insurance company to quote me on the trailer i have done up to carry the bikes on. The insurer asks what the trailer is worth I say around $2200.00 to $2500.00 dollars, I get the quote back and it is double the price of my bike and my bike is valued at $15,000.00. I could not work that one out.

[Gippslander]

Ted, not trying to be funny, but the answer will be in your insurance policy, a hard read but that's where your answers will be.

[oldskool]

be carefull if its one of those 5th wheel type trailers i know people who have been knocked back for claims on them for not holding a hc licence even though they dont come under the same catagory as a prime mover for licencing.cheers gary

[mx250]

Good questions.

In  my car insurance the content is limited to $1000 and it has to be 'receipted'. Both would be difficult for VMXers. To get specific cover they would have to be specifically requested and extra premium paid.

There could be a good article for VMX mag when you get the answer  .

[Nathan S]

If the trailer is uninsured, then any damage you cause to your trailer will have to be fixed out of your pocket. Late edit because vmx42 is right: Unless your vehicle insurer has a policy that covers your trailer and/or its contents.

If someone else damages your uninsured trailer and/or trailer contents, then they are liable. Whether their insurance company wants to play ball is another matter - something that's becoming increasingly common is to simply (threaten to) sue the other driver for damage to your vehicle/property. It tends to stop a lot of insurance company nonsense pretty quickly...

[vmx42]

There could be a good article for VMX mag when you get the answer  .

I am sure the Swedish, Italian, Japanese, UK and US readers would be absolutely riveted. 

Every insurance company is different, most policies are different so there would be no ONE ANSWER. The only way for Ted to have his question answered is for him to contact his insurer. I would love to see him stand up in court and say "the experts on OzVMX see it differently my Lord!!".

This is supposed to be a fun site yakkin' about old motorcycles and a discussion about insurance companies doesn't come close to fitting that description. 

[evo550]

I'm covered by RACQ and the answer to your questions are YES and YES. This is for a trailer under 750 kg gvm. It does not have it's own insurance, It's covere under my cars insurance.
Other insurance companies may differ, but it would be outlined in the policy.
Not sure for trailers over 750 kg gvm as they have their own insurance policy.

[ted]

There could be a good article for VMX mag when you get the answer  .

I am sure the Swedish, Italian, Japanese, UK and US readers would be absolutely riveted. 

Every insurance company is different, most policies are different so there would be no ONE ANSWER. The only way for Ted to have his question answered is for him to contact his insurer. I would love to see him stand up in court and say "the experts on OzVMX see it differently my Lord!!".

This is supposed to be a fun site yakkin' about old motorcycles and a discussion about insurance companies doesn't come close to fitting that description. 

I have contacted all my insurance companies and my broker....being why i posted this in the first place

I`ll bet they are as riveted as i am to your response.  My opening clearly states " maybe has had some experience in this matter " which clearly you do not

The last time i looked it was an OZZY site and this relates to OZ so who gives a toss what foreigners think.

If you cannot advance me in the right direction keep your ill informed comments to yourself

[Nathan S]

Ted, he was talking about OzVMX and the magazine seperately.

[Lozza]

I would love to see him stand up in court and say "the experts on OzVMX see it differently my Lord!!".

  Forget the article there is a movie in that...........................

[Tim754]

What is the law?   An ass........................

[oldfart]

Ted, my policy seem's to go into great dept about caravans and lightly touch's on the subject of trailers .
From what I can make out , if my trailer is register and coupled to my insured car  it shares the same benifits  ( trailer is replaced at a market value )  
The contents of the trailer are not insured against  theft  

[ted]

oldfart...that is what i reckon of all this too....but when you mention a trailer ( not a caravan ) they get very vague. Lack of product knowledge methinks.

Nath...So why use my name in his comments. Fair enough and i agree it would be as boring as batshit to cover OZ insurance in a globally distributed magazine but this is an OZ forum relating to OZ. And as far as his fun site is concerned let him explain how much fun it would be to lose all your bikes, gear and trailer in an accident while thinking you are doing the right thing.

BTW...you refer to him as Your Honour...not my Lord!!...hehe

[Evil Rudy]

Hey Ted, what do you think is the correct white for early YZ tanks...