Trailer tents are to some extent replacing motorhomes and caravans. The prime reason for this is the flexibility of the trailer tents and the fact that they can be hitched to just behind any car. This has also caused people to get insurance for their trailer tents to protect it from any potential harm.
One of the most frequently asked question is that whether one can add the trailer tent insurance to their existing car insurance policy. People prefer to have their majority of their insurance under minimum number of policies possible and therefore want to have their trailer tent insurance included in with their car policies.
car insurance does provide a particular policy regarding trailer tent but it offers very limited cover. The protection is only for the towing of your trailer tent. This means that your trailer tent will only be protected by the time it is being towed. In case of any road accident, while your trailer is still attached to the car you will get the cover. The protection in place will depend on the policy; it can either be just the liability coverage or an addition of the property coverage. However typically the protection is only in place whilst hitched to your vehicle. Often the third party coverage for your trailer tent while being towed is covered in your car insurance policy.
When you extend your car insurance to provide insurance for your trailer tent it is typically not covered in the event of your trailer tent becoming unhitched for the car. Therefore, if you want to have a complete protection for your trailer tent, you must insure your trailer tent under a different policy.
For people who are frequently going round with their trailer tent, a separate policy will prove to more advantageous as it will provide a comprehensive coverage. Accidents while on road are not the only problem you may come across when it comes to trailer tents. For instance you also have to bear in mind that your possessions may be stolen or damaged. insurance for a trailer tent under your car policy will usually not protect your trailer tent from any of these dangers and therefore, you will have to suffer from loosing or repairing your trailer tent and bearing the costs.
Although having trailer tent insured with your car policy seems to be more economical, it only seems that way because there is no proper coverage for your trailer tent. You generally only get what you pay for, the minimum amount of coverage. If you shop around online and compare insurance for your trailer tent you have affordable but adequate protection for your needs.
