Neither is law. The 85% guide says a laden caravan should weigh no more than 85% of the car’s kerb weight, especially for new towers. Noseweight should press down on the tow ball, within the car’s and tow bar’s limits; 5–7% of the laden trailer is a common target.

The 85% guide

nidirect: "guidelines recommend that the laden weight of your caravan does not exceed 85 per cent of the unladen weight of your car. Although this is not a necessity by law" (nidirect). The Camping and Caravanning Club says experienced towers may go up to 100%. It is never a reason to exceed the car's towing limit.

Noseweight

The Highway Code says to put heavy items over the axle "and ensure a downward load on the tow ball", within the manufacturer's limits (Highway Code rule 98). Too little noseweight can make a trailer sway. The 5–7% figure is industry guidance, not an official one.

Measuring it

A noseweight gauge, or a bathroom scale under a length of wood at hitch height, gives the figure. The trailer should be level, as it sits when hitched.

Sources

Guidance, not legal advice. Towsheet is independent and not connected with the DVLA, DVA, RSA or NDLS.