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Subject Topic: Trailer insurance Post Reply Post New Topic
18/4/2006 at 1:55pm
 Location: Manchester
 Outfit: Outwell Glendale 5
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Joined: 01/1/2006

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 I use  Franc aluminium trailer to carry all our camping gear, whilst I'm towing it my car insurance covers me against third party risks, however when I park it , either en route or on site its not covered against theft.

Does anyone out there know where I can get this type of cover.

Thanks.

Graham.



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Graham


19/4/2006 at 5:23am
 Location: Warwickshire
 Outfit: Talbot Express Autosleeper
View TrickyWoo's Profile View Profile   Reply to TrickyWoo Reply   Quote TrickyWoo Quote  
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You could try the C&CC - they may do it as part of a policy to cover your overall camping gear.

Other than that you may find you can't get it insured for theft whilst left uncoupled and unattended on site. The problem is security - as small trailers are light and easy to move it's difficult to secure one adequately. Trailers are pretty useful, easy to sell and are not identifyable so are thief attractive & it's pretty easy for someone to just stroll up whilst you are out or at night and just drag it off unchallenged (remember thieves walk boldly into offices & conference rooms in broad daylight & pick up lap-top computers and walk out with them unchallenged!)

Your problem just covering the trailer itself is one of minimum premiums - the value of the trailer is not high enough to generate sufficient premium to make it worthwhile anyone insuring just the trailer on its own. Indeed it may not be worth your while  insuring it, by the time you take into account premium and excess. No point in a "pound note swapping" excercise - ie premium plus excess nearly as much as the trailer is worth! You'd be better off just taking the risk yourself & hanging onto your money. After several years, if you don't lose the trailer, what you'd have saved in premium would pay for a total loss.

Try your household contents insurers - it may be possible to have it covered as a specified item on that, and they may not charge if added mid-term (some don't charge for small additions mid-term as not worth putting entry through!). But if they agree to add it, do check exactly what cover they'll give, where they are prepared to cover it, what excess if any, and what exclusions. For eg no point them doing it if they put a £100 excess on it! 



Post last edited on 19/04/2006 05:38:57

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TrickyWoo

I've got a Dragon and I'm not afraid to use it !!


19/4/2006 at 6:35am
 Location: Devon
 Outfit: None Entered
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i would tend to agree as well,why not invest in a wheel clamp as this should stop the casual thieves


19/4/2006 at 7:34pm
 Location: D E V O N
 Outfit: Outwell Hartford L & Porch Area
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tricky woo u is the man with that there advice...!

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Why Are There Not Enough Long Weekends For Camping In The Working Year,VOTE MONSTER LOONY PARTY THEY WILL SORT IT OUT !



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