With time on my hands, I thought I would take a more careful look at my renewal details with LV for breakdown recovery before paying the premium.
They used to make specific reference in the policy document to the maximum length of trailer. For additional comfort, a few years ago I also got them to write to me to confirm my trailer dimensions were acceptable and I always carry that letter with me when towing the boat - I was never keen on the thought of having to persuade some grumpy burly (possibly French) breakdown driver of this fact whilst standing on the hard shoulder of a motorway in the pouring rain.
I now notice this has changed - Instead of the specific length limit they now just say that the trailer must comply with the Road Vehicles (Construction and Use) Regulations 1986. I'm happy with that because the West Mersea trailers do comply. I'm planning to ask them to write to me again with a comfort letter although I am not sure how they are going to re-act - they'll probably say they can't because they don't know if it complies or not! So then we might be back to the scenario with Monsieur truck driver! There are 2 other clauses that have got me worried. One says that the policyholder would have to pay for any special equipment used other than a "standard recovery vehicle". They are thinking of recovery from a ditch or something with a crane but I wonder how they stand on the use of a low loader? I think I need to ask them to clarify this. Has anyone had to be recovered with a low loader recently? Would they need a low loader or can they get a Mac on a "standard recovery vehicle"?
The other clause that worries me is the one that says the decision of the recovery engineer is final! What's French for "help"? oh yes - "mayday, mayday"!