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Quote: Originally posted by Kelper on 07/6/2013

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Question:
Is insurance for your FC/TT mandatory?
When actually towing, you're covered via your car insurance ... except for damage to the towed item.
Contents are covered by my house insurance (away from home) ... so what's the benefit? .... minimal chance of damage to your trailer?
Hmmmm?

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Good question, but the answer is too many ifs & buts.

You are covered for theft of the camper itself or it's contents if like me my home insurance doesn't cover it. Storm damage to your camper. Storm damage that your camper may cause to your neighbours unit on site and public liability.

If the camper isn't covered when attached and to replace your camper is going to be expensive I would want to cover the loss.  I don't think your contents would be covered while attached to the car because the home insurance would probably argue that it should be claimed on the car insurance.

Another question I have considered, but don't have the answer for. Is the camper covered by the car insurance for theft when stolen of the hitch of the car?

Any insurance experts out there with answers?

I suppose we each have to weigh up the risks and consider how much we are prepared to lose, not that any of the insurance companies would payout what we considered a fair value.

Pieface

Pieface

Quote: Originally posted by smiley021068 on 10/6/2013

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Its interesting reading the messages, if its helpful to anybody, we had to make a claim due to storm damage about 2 months ago through our insurers "Insurance for Trailer Tents" who we found via UK campsite, and to be fair the claim was paid within about 2 weeks of the damage and it was for about £900. So we have no complaints. They were very helpful.

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After insuring with "Insurance for Trailer Tents" for many years and never making a claim. I find that very reassuring.  Thank you for the feedback.

Pieface