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AXA trailer query

  • 16-11-2018 1:47pm
    #1
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭


    Hi all, just moved Insurers to AXA as they were the cheapest this year. Reading through my policy booklet it states that I am only covered to tow a 'disabled mechanically propelled vehicle' (a break-down situation, in other words).
    The Cert itself also states 'this policy does not cover use while drawing a Trailer other than one disabled mechanically propelled vehicle'.

    The policy booklet specifically states that I am not covered to Tow anything else unless i supply them with details of same (and presumably pay more for this).
    I use a single axle trailer to move a ride-on mower about 6 times a year. This trailer is approx 10'x5' and is at least 20 years old.

    Before I ring them I would be interested to know if anybody else in this situation has contacted AXA and what the outcome was. Did AXA look for more details concerning the Trailer ? What sort of increase in premium did they request, etc ?


    I know people will say just ring them, but I am just curious to know what their response would be before I phone them.


Comments

  • Registered Users, Registered Users 2 Posts: 6,201 ✭✭✭troyzer


    mgbgt1978 wrote: »
    Hi all, just moved Insurers to AXA as they were the cheapest this year. Reading through my policy booklet it states that I am only covered to tow a 'disabled mechanically propelled vehicle' (a break-down situation, in other words).
    The Cert itself also states 'this policy does not cover use while drawing a Trailer other than one disabled mechanically propelled vehicle'.

    The policy booklet specifically states that I am not covered to Tow anything else unless i supply them with details of same (and presumably pay more for this).
    I use a single axle trailer to move a ride-on mower about 6 times a year. This trailer is approx 10'x5' and is at least 20 years old.

    Before I ring them I would be interested to know if anybody else in this situation has contacted AXA and what the outcome was. Did AXA look for more details concerning the Trailer ? What sort of increase in premium did they request, etc ?


    I know people will say just ring them, but I am just curious to know what their response would be before I phone them.

    Trailer coverage is always an optional extra and you will be charged for it.


  • Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    This is the 1st time my Cert specifically states "No Trailers".
    Up until now all of my previous Insurance Certs have simply stated that I was covered as long as I didn't tow "any more trailers than permitted by law"....


    Rang the Broker just now and he tells me they usually charge an extra €40 per annum. Says he will try and throw it onto the policy for nothing. Just hoping i don't have to jump through hoops due to age of the trailer, etc.


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