I towed a RAV4 on a dolly with a kayak on top at 60+. I have foam pads at front and rear crossrails and two ratchet straps across from side rail to side rail. Plus, at the rear, there are 1/4 inch nylon lines from the kayak mooring loop forward to each rail. This is my belt and suspenders insurance against the kayak sliding aft. About 4500 miles so far with this and no problems so far. The only times I have backed the dolly it was empty and hitched to the RAV4 or by hand power.
Chuck Peck in CasaLoca
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