Posts Tagged ‘trailer tent insurance’

What security features can I add to my trailer tent to make it easy to insure?

Trailer tents have become a very popular option for those wishing to take a self catering holiday. With the awareness of getting your trailer tent insured more and more people are opting to get competitive quotes online to have their trailer tents insured at low premium rates and excellent benefits. As insurance providers offer protection against theft, ensuring you do everything you can to ensure security is essential.The more your trailer tent is protected the lower premium rates you will get.

With this in mind you might want to give some thought to installing such as an immobiliser or good quality alarms. Tracking devices will lower the premium rates greatly as it will be possible to track the trailer tent in case it is stolen and then it is possible to catch the thief. Also you should prefer buying a waterproof tent to prevent any damage during the rain.

Awning may also be attached to your trailer tent. Apart from providing more room it protects your trailer tent in bad weather when there are strong winds. A sewn in ground cloth with the awning gives a good protection from inclement as well as insects. Another important thing is to ensure that your trailer tent is properly fixed using the railings and breakaway cables so in bad weather it does not comes down and get damaged.

Of equal importance is to protect your trailer tent from thieves. The risk of this can be greatly minimised by putting steady and hitch locks to your trailer tents. These locks are compulsory to have to entitle your trailer tent for some trailer tent insurance policies. This will ensure that your trailer tent is properly locked even when you are roaming around. For your valuables you might want to try to keep them out of sight if possible. If you wish to secure such as bikes or your generator then a heavy and strong chain may be used to secure them.

Towing the trailer tent safely will generally reduce the premium rates considerably. While you have the flexibility of being able to tow your trailer tent you have to remember that driving when towing is different from driving without your trailer tent behind you. If you can give assurance to the insurance companies that you will take all the safety measures and add trailer tent towing security features than you will benefit from their low premium rates. Having your trailer tent secured to your vehicle with a quality chain is reccomeded. There should also be no hangings out of your trailer tent. It should be properly towed using a coupling head. You should pay attention and drive very safely. The insurance companies also check the driving records before the insurance.

Thus, if you really want to benefit from low insurance protection rates then you will have to spend some time and money to ensure that your trailer tent is properly secure.

Can I add my trailer tent insurance to my car policy?

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 to insurance policy that is already in place of their car.People prefer to have their majority of their insurance under minimum number of policies possible and therefore want to have their trailer tent insurance as part of their cover 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 typically means that you have protection for the trailer tent if it is in accident whilst attached to your car. The coverage 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.

Another drawback of extending your car policy to include trailer tent is that in an uncertain event that the trailer tent detaches from your car and is damaged afterwards, you will not be entitled to make a claim. Therefore, if you want to have a complete insurance 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 not usually 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 do typically only get what you pay for, the minimum amount of coverage. Consequently, it is suggested that you should go for a separate insurance for your trailer tent.

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