Hello everyone, as per title , I was involved in an incident yesterday whereby my wife's car was slightly side swiped by a car towing a boat.
He failed to adhere to the lane rules on a roundabout and decided his whole outfit looked better in the other lane without looking .anyhow as he crossed lanes his boat pushed the N/S door mirror in ( a paint scrape) and some superficial scrapes to the bumper/ plastic wheel arch ( it's a nissan qashqai) so it's got a lot of black plastic in that area .
He failed to stop ! but police informed and statements given to them and my insurance company.so he has 24 hours to report incident to them or they will be going to his house to have a word .
But I'm digressing.my question is when someone is pulling a trailer / caravan / boat .
Dose that item have to be insured for use on a public road as we all have to do with our own cars ? .
Just in case they do damage?
Or not ?
For what it's worth for the little amount of damage to the car , by the time I take into account paying the excess , my no claims loss and the hassle involved it's not worth it
But in my mind I did the right thing informing everyone so there's no comeback on me .
Any answers would be welcome
Many thanks in advance.
He failed to adhere to the lane rules on a roundabout and decided his whole outfit looked better in the other lane without looking .anyhow as he crossed lanes his boat pushed the N/S door mirror in ( a paint scrape) and some superficial scrapes to the bumper/ plastic wheel arch ( it's a nissan qashqai) so it's got a lot of black plastic in that area .
He failed to stop ! but police informed and statements given to them and my insurance company.so he has 24 hours to report incident to them or they will be going to his house to have a word .
But I'm digressing.my question is when someone is pulling a trailer / caravan / boat .
Dose that item have to be insured for use on a public road as we all have to do with our own cars ? .
Just in case they do damage?
Or not ?
For what it's worth for the little amount of damage to the car , by the time I take into account paying the excess , my no claims loss and the hassle involved it's not worth it
But in my mind I did the right thing informing everyone so there's no comeback on me .
Any answers would be welcome
Many thanks in advance.
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