⚠️ Holiday Season Ahead: Don’t Forget to Protect Your Tow Ball!

Summer is here, the bags are packed, and your trailer or caravan is ready to hit the road… But before you set off, have you thought about your tow ball? This small, often overlooked piece of equipment can have major consequences — especially in the event of an accident or police check. Here’s what you absolutely need to know before heading off on your holiday.

🚗 Tow Ball: A Handy Tool, But Regulated

The tow ball or tow hook is essential for towing a trailer, caravan, or bike rack. While the law doesn’t require you to remove it when not in use, it must be properly secured. Why? Because in the event of a collision — or even while simply parked — an unprotected tow ball can pose a real danger to other road users, whether pedestrians or drivers.

➡️ Good to know: if the tow ball sticks out and isn’t being used, you could face a €68 fine during a roadside check. A simple solution is to cover it with a cushioning object like a tennis ball or a dedicated protective cap.

📋 In Case of an Accident: What About Your Insurance?

If you’re involved in an accident, the presence of a tow hook can play a key role in determining liability and how compensation is handled.

🛑 If you’re at fault:

Your insurance provider may claim that the tow hook worsened the damage to the other vehicle. As a result, they might reduce or even deny your compensation, arguing the impact would have been less severe without the tow ball.

✅ If you’re the victim:

It’s the opposite. Mentioning the tow hook in the accident report can work in your favor, especially if the other driver is at fault or uninsured. It can help prove the intensity of the impact or justify greater damage to your vehicle.

➡️ Tip: review your auto insurance policy before your trip. Some insurers have specific clauses regarding non-standard equipment like tow balls. If you’re unsure, contact your insurance provider to clarify your coverage.

🧳 Before You Hit the Road: Your Holiday Tow Ball Checklist

Here are a few simple but important things to do before setting off:

✔️ Make sure the tow ball is properly installed and complies with legal requirements.
✔️ If you’re not towing anything, cover the tow ball with a suitable cap.
✔️ If you’re in an accident, mention the tow ball in the accident report.
✔️ Check that your license plate and lights remain visible if you’re using a bike rack or trailer.
✔️ Review your insurance policy and ask your provider any questions before you travel.

In Summary

The tow ball is a valuable tool for family road trips and caravan holidays — but it must be used safely and legally. In the event of an accident, it can directly affect your liability and compensation. It’s always better to prepare in advance than to deal with regrets later. By securing this piece of equipment and knowing your rights, you can hit the road with peace of mind.

👉 Have questions? Need help understanding your situation or your insurance? Don’t hesitate to reach out — I’m here to help.