I have bought a trailer for our 2006 outings as there are 5 of use and room in the estate is tight. Being new to this I wondered what insurance I should get for the trailer. Should it be insured on my household or on my motor insurance or should I advise both.
You'll be covered under neither. you can get separate trailer insurance, but it's either costly or the conditions of cover are usually very onerous, such as the level of security to be used to prevent theft.
They require a minimum of an insurance approved hitchlock and an insurance approved wheelclamp. This alone can come to £100.
I gave up on trailer insurance. My trailer is worth about £300. My car insurance will cover the cost if I have an accident whilst towing ( third party ), I have a wheel clamp. Beyond that, is someone nicks it then that's life.
Most of the insurances I have seen that say Trailer, Horsebox etc mean that they will insure you if you have an accident whilst towing it. All the ones I asked, would not cover my trailer if it was left on it's own in a field and I came back from a day out and it wasn't there anymore.
I could get seperate trailer insurance, but there were so many conditions attached and so many get out clauses that I didn't bother. Plus it wasn't that cheap.
I havn't asked the AA I must admit. But then again the AA were nearly £100 more expensive just for my car insurance so for a £300 trailer that I could probably buy for £150 second hand it is worth taking on the risk myself.
Actually, thats not too bad. Some of the quotes I got would have meant I would have paid for a trailer in 2 years. I suppose you have to be a member to get it for that price.
thanks folks despite the negativety I think your info has been usefull. However, taking the point a little further, what about the trailer contents. If you add everything up, my trailer and its contents are probably worth £700-£800. What happens if I am involved in an accident (not of my doing of cause) which causes damage to the trailer and its contents. Could I expect the third party to pay up? What if in some bizarre twist of fate my trailer causes damage to a third party?? Is the liabilit all down to me?
I was concerned that if my trailer rolled off the drive I would have no 3rd party cover.
This is the case in fact.
I recently had a slight brush with a gate post with the caravan and I was told that if the caravan was attached to the car then I had to claim 3rd party on my car insurance.
If the caravan was unhooked from the car then the caravan insurance would pay out 3rd party claims.
The CC will extend their caravan insurance to a trailer for £10 I was told
My trailer is now grounded for 3 months until the caravan insurance renewal comes up !!
I have seperate insurance for all my contents. I took out an insurance policy for all my camping equipment. It costs me about £40 per annum or something like that.
Sometimes its the contents that are expensive to replace (it would be both for us) - we have Norwich Union home contents insurance and they cover our old Dandy and contents as a named item on the policy. Has to have a decent towbar lock and wheel clamp, and its stored under our parents dining room window, right outside their back door. And as we already have home contents insurance we got a discount on the Dandy.
--------------------------------------------------------------------------------------------------------------------------I went through this exercise a few weeks ago and drew lots of blanks
Had a look at the C & CC Club site and indeed they do trailer insurance for £50 and indeed they can also cover tent, equipment and contents. I completed an online quote covering my tent,equipment and contents valued at £1200 and the cost was £47. Obviously one needs to consider the annual cost compared to the actual cost of replacement of equipment to decide whether it is actually worth it.
They require a minimum of an insurance approved hitchlock and an insurance approved wheelclamp. This alone can come to £100
the insurance through the C&CC say as long as you have both devices fitted then thats ok. i phoned to check and they didn't mention naything about it being insurance approved. saying that i bought an SAS wheelclamp though and have a hitchlock (don't know what make it is)
I think the SAS one is Insurance Approved. I think Insurance Approved is the wrong word. I cant remember the words they all used to me, i think it was some BS standard number they quoted.
they didn't quote me any numbers. i may phone them again tomorrow and check - better to be safe. just re-read the terms of cover and i'm quite sure it doesn't say you have to have insurance approved locks.
they do however recommend "sold secure" products
update: just phone clubcare to check and for a TT it doesn't matter what anti-theft devices you have as long as you have some.
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Topic: Trailer insurance
