When flat towing a car behind a motorhome (predator system) is the car covered by its own insurance or under the MHs if say it came off the hitch etc (heaven forbid).

secondly do you list the engineered hitch base plate attached to the car as a modification or an accessory?

Bas

Ask your insurer (in writing).
No other opinion counts.

.....but I suggest that the toad needs its own cover and the hitch could be either, I guess it is an engineering modification - back to answer #1.
Cheers,
Peter

Thanks for the reply. A neighbour had his house catch on fire with his cars in the garage. House insurer said, its a car insurance claim, car insurer said it was a house insurance claim.

You have been around long enough to know how these buggers operate. I was trying to get a heads up from someone who is in the same situation before I hopped on the insurance merry go round.

thanks again

Bas