Trailer tent insurance buyer's guide

Feeling like you could do with help understanding trailer tent insurance? Our guide can point you in the right direction. Read on to get to grips with what it all means and find out how to get the most out of your insurance.

What's in this guide?

In this guide you’ll find everything you need to know about our trailer tent cover. We’ll explain the policy in simple language and give you a few pointers on how to get the best value out of your insurance.

What is Trailer Tent Insurance?

Trailer Tent Insurance is designed to give you the peace of mind that you are protected should your trailer tent be stolen or damaged. It is there to cover the cost of repairing or replacing your trailer tent in these events. 

Unlike car insurance, Trailer Tent Insurance is not a legal requirement, but is strongly recommended as without it you would incur the cost of its replacement or repair.

Third party liability would be covered by your car insurance when you’re towing your trailer, but specific trailer tent insurance extends to cover your legal liability for injury to others or damage to third party property whilst on site.

Why do I need Trailer Tent Insurance?

Unexpected situations do happen and are not always in your control, so should the worst happen it’s comforting to know you are financially covered against loss or damage to your trailer tent.

Here’s a selection of just a few of the key aspects of insuring your trailer tent with Towergate:

  • New for old cover – is available for any trailer tents under ten years old if damaged beyond repair.

  • European cover – you can extend your towing cover at an extra charge, should you holiday outside the UK.

  • Awnings – if this is part of the main frame structure of your trailer tent, it’s covered. If you have an extra awning just let us know, it can still be covered on our policy at an extra charge.

  • Contents contained within the trailer – We can cover your equipment and possessions stored in your trailer tent provided they’re included in your sums insured – see our jargon buster for more on sums insured (exclusions apply).

How to get the best value from your Trailer Tent Insurance

At Towergate we offer a flexible product so you can choose the cover package that suits your needs, based on how you holiday with your trailer tent. We’ve included some basic cover options as standard, so you can be confident the most common risks to your trailer tent will be covered. These include cover for accidental damage whilst towing, fire, theft, storm, malicious damage and third party liability. You can then choose to add, upgrade or extend your cover with what matters to you, so you only pay for what you want.

Exclusions explained

It’s always important to view the full list of exclusions in the policy documents when you take out your policy.

Here are the key things you need to know to stay covered and a few items which unfortunately we can’t cover all together:

  • Storing your trailer tent outside the boundaries of your home – It is important that you let us know where you store the tent. For example, leaving it on a public road even outside your home could mean that you are not covered if your tent is damaged or stolen.

  • TVs, pedal cycles, mobile phones and portable electronic equipment – These items are generally insured under your home insurance, so they’re not included in our trailer tent cover. Camping related equipment, including portable gas cookers and garden furniture, can be covered as long as you include them in your sums insured.

Jargon buster

Sometimes insurance can be a bit like a foreign language. Here’s our run down of a few words and phrases which may be a little confusing.

  • Accidental damage - An unintentional, one off incident that causes unexpected and non-deliberate damage.

  • Public liability - Your 'responsibility’ for the wellbeing of other members of the public and their property. In insurance, this refers to the cover given to compensate legal costs and compensation payments resulting from injuries or property damage to others resulting from your negligence

  • Loss of use cover - Cover for alternative accommodation if something happens to the caravan that makes it uninhabitable, for example damage caused in a road traffic accident

  • Excess - The amount you are asked to pay towards a claim on your policy

  • New for old policies - Your trailer tent and some contents will be covered for replacement as new. (If we cannot replace your trailer tent with the same model we will work with you to find the best equivalent)

  • Market value - The cost of replacing your trailer tent at its present value - taking into consideration; year of manufacture, type, wear and tear

  • Policy schedule - Your insurance document outlining the period during which your policy is valid

Why choose Towergate?

As specialists in leisure insurance for over 40 years, we’ve come to understand what our customers want from their insurance. Combined with our flexible approach to insurance and a helpful customer service, we’re confident that our cover and service will be a huge comfort and allow you to holiday with your trailer tent carefree.

Our claims service is all in house so you won’t get passed from pillar to post. Our award winning claims team will guide you through each step of your claim and advise you on how to gain swift resolution of your claim. Simply give us a call and we’ll take it from there.

Can we help you with anything else?

As the UK’s largest independent insurance broker, Towergate offer a huge range of specialist insurance products. In the leisure division alone we offer insurance for; touring caravans, leisure homes, park homes, beach huts, marine craft and leisure boats, travel and our insurance4carhire.com team offer great value hire car hire excess insurance.

If you’d like any more information on these products and more besides, please visit www.towergateinsurance.co.uk or www.insurance4carhire.com.

Plus, if you run your own business, you can get business insurance from our specialist SME team. From tradesmen to beauty therapists, see how our SME cover can help protect your business. Visit our business insurance pages for more information.