Owing your own trailer tent is a great way to take a much needed break as and when you need it. You have the freedom to go where you want and when you want. However you would have to ensure that you have the correct trailer tent insurance for your needs before you go taking to the road and policies can vary greatly depending on who you choose to take the policy with. Therefore you need to check any trailer tent insurance you are considering before rushing to take out cover. There could be exclusions and limitations on how much the policy would pay out on some features along with certain conditions that could be excluded from the policy so these would have to be checked before taking out the cover.
You will first have to consider how you are going to be using your trailer tent. If you plan on travelling outside of the UK then you should ensure that you have European cover in the policy. European cover would usually include such as roadside assistance if you were to breakdown or be involved in an accident while touring around Europe. It could also payout for you to stop in alternative accommodation if your trailer tent should become unusable. However there will usually be limits on European cover which usually mean you would only be covered for up to a certain amount of days while travelling around Europe.
One of the features you could check for in trailer tent insurance is whether the policy would payout new for old. This related normally to your belongings and such as carpets, linen and other items in the trailer tent. However it could also relate to the actual trailer tent itself. This means you be given brand new replacements if you were to lose your belongings or the trailer tent itself. There will be a limit on this, for example if the trailer tent is covered by new for old it would only be covered for up to a certain amount of time. Certain items which would be classed as being expensive are generally excluded from the protection. This could be items such as jewellery and expensive electrical equipment; again you would have to check for limitations on these before taking out the policy.
All trailer tent insurance will come with an excess attached to it. This is the amount that you will have to pay out of your own pocket before the insurance company would kick in and pay the rest. You can choose to pay more in excess and by doing so you can keep down the cost of the premiums. One point to consider is the fact that will have to find the excess as a lump sum out of your own pocket. How secure your trailer tent is would also depend on how much you would have to payout for your insurance. If you install an alarm or tracking device you could save a great deal of the premiums for the insurance as it would be harder to steal.