Trailer Tent Risks

When travelling with your Trailer Tent within the UK or out and about abroad in Europe, you will probably want to make sure that you have adequate insurance to cover your portable home. Thankfully there are many insurers offering policy cover that is tailored to the needs of Trailer Tent owners. But what risks should you consider when using and storing your Trailer Tent, and what kind of cover is offered by the average Insurance Policy? This little guide should help you in your trailer tent insurance comarison.

Loss, Damage and Theft

Because of the compact size and mobility of Trailer Tents they are very tempting to the opportunistic criminal, and you will need to consider security on the road and on site. A simple way of ensuring that your Trailer Tent is not lost or stolen from you whilst in transit is to purchase a hitchlock to lock the Trailer to your vehicle. Some policies will have security requirements built in. It is also important to consider cover for damage from weather hazards and fires, considering the structure of your Trailer Tent may be easily damaged by either. Depending on where you are using your Trailer Tent, damage caused by flooding may also be an insurance risk which you may need to consider. In the event of the total loss of your Trailer Tent through theft or damage, a good insurance policy should offer an ‘as new’ replacement to the market value of your Trailer Tent provided it was purchased within the last three years.

Contents Cover

You will no doubt be travelling around with gadgets and gizmos worth a considerable amount whilst holidaying in your Trailer Tent, and making sure that you get appropriate cover for the items you are taking is important. Most policies offer staggered pricing depending on the cost of your Trailer Tent and your intended contents.

Loss of Use

If your Trailer Tent is rendered unusable by any of the circumstances stipulated by your policy your insurer should offer compensation up to a certain amount towards the value of temporary accommodation, though this will often be limited to a predetermined number of days.

Continental Use

Because Trailer Tents are so popular as a continental travel accessory, you will need to consider the risks of travelling outside of the UK, to other European countries. Most policies will offer cover for this, but it will be limited to a certain number of days per year, and should you exceed this amount your policy cover will not guarantee the success of any subsequent claim you make. If your Trailer Tent become untowable or unusable whilst on the continent, some insurers will offer recovery as part of the trailer tent insurance policy, so if you think you may require this, check before you buy.

Public Liability

Considering the possibility of third party injury and the resulting costs caused by you or your Trailer Tent whilst it is in use is important. Most good policies will offer this kind of cover, and some will even waive the standard excess in such circumstances.

Storage

You might want to consider the insurance risks relating to how you store your Trailer Tent whilst it is not in use. Storing it in an unsecure location, open to the elements and criminals, might increase your insurance premium or not be covered by your policy at all. Always check.