Is My Trailer Covered Under My Van Insurance?
Are you wondering whether you can insure your trailer along with your van? Are you wondering if your van insurance will cover the trailer as well? After all, they’re both vehicles so you’d expect them to be covered right?
The answer to this question isn’t straightforward, however. The type and scope of the coverage you receive will differ from insurer to insurer, and also from one policy to another. Some insurers might choose to add it into the van insurance policy, while others might charge you for additional coverage.
The main thing to remember when considering any form of insurance is to read through all the terms and conditions carefully before taking out the policy. Different companies have vastly different definitions of what they will and won't cover. You should always find out exactly what is covered, and what is excluded, before purchasing the policy.
In most cases, the trailer will not be covered by its own policy. Instead, it will be covered under your van insurance policy. If you have a trailer that you use with your van, then you should check with your van insurance provider to make sure it’s included in the policy. Most van insurance companies will add the trailer to the policy without charging you any extra, but it’s important to double-check with them.
Even if your policy does include cover for the trailer, it may not be as comprehensive as the cover you receive for the van itself. This is especially true when it comes to theft and malicious damage. Some insurers will offer a basic level of cover for theft, but this may not cover the entire value of the trailer. Be sure to ask about this, so that you are fully aware of your level of cover before signing the policy.
There are also other types of cover available, such as breakdown cover, which may be available with your trailer (although this might incur an additional cost). If you are considering adding any of these extras to your policy, it’s best to talk to your van insurance provider first so that you are fully aware of the benefits and drawbacks of doing so.
It’s also important to remember that your van insurance policy won’t cover you if you use your trailer on a public road. In order to use your trailer on a public road, you will need to make sure that it is covered by a trailer insurance policy, which is a separate type of cover. Be sure to speak to your insurance provider about this before you hit the roads.
In summary, it’s best to check with your van insurance provider before taking out a policy, to make sure that your trailer is covered. This will ensure that you know exactly what level of cover it is entitled to, and what sort of additional coverage you might need to purchase to ensure that you and your trailer are properly protected.