This invention is a road towed ferry with a hull system with a central hull and multiple outboard hulls having adjustable positions relative to the central hull. A first outboard hull position corresponds with a road tow configuration wherein the ferry may be towed over a road by a tow vehicle; the second position corresponds with a ferry configuration adapted to ferry the tow vehicle over water. The ferry in the tow configuration has a width, height, length, weight conforming with certain public road regulations without requiring special permits. In the ferry configuration the ferry is adapted to ferry heavy loads over water, such as in one configuration up to at least 16 tons, or in another configuration up to at least 19 tons.