Toms Tips About Trailer Insurance
By Tom Neale, 5/27/2010
1. There’s a hidden issue with trailers that many aren’t aware of and that can cause big problems. But it’s easy to handle if you know about it.
2. You will probably have an opportunity to cover your trailer in the same policy as that which covers your boat. But this isn’t automatic. Normally you must tell the insurer that you want this coverage and it should be listed on the declarations page.
3. But this usually only covers loss of or damage to the trailer.
4. If your trailer breaks down on the road (as if a spring breaks or you have a flat and no spare or many other possibilities), this coverage will normally not get your trailer towed or moved to a repair center or your home. And probably, the roadside towing that you may have for your car or truck will not cover the trailer. You’re left with the trailer and boat sitting on the side of the road.
5. The BoatUS Trailering Club offers a roadside assist program that does deal with this problem. If you are a member you can get assistance, including towing up to 100 miles. Even a good trailer has a reasonable likelihood of becoming disabled on the road and this is a time when you need specialized help.
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Copyright 2004-2010 Tom Neale