woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
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Mood: Everchangin'
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insurance question
so i got the pop up trailer and now i need insurance for it. bonita west says i need to buy a seperate policy showing the value of the truck as $1 and
the full value of the trailer. this, in addition to my original policy showing full value of the truck. both would be in effect. the price for the $1
truck and $2000 trailer is over half what my $12000 truck policy costs.
so..... can i shop around for other coverage for the $1 truck and $2000 trailer or does one company have to ensure the whole unit?
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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I purchased an annual policy for a utility trailer from Geoff (Bajabound insurance). Didn't notice or discuss the $1 thing, don't think I have it
[Edited on 8-28-2010 by bajaguy]
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fandango
Senior Nomad
Posts: 549
Registered: 1-30-2006
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woody: i don't have coverage on my boat and trailer, but my truck policy lists the trailer. the truck is not covered if the trailer is being towed
and not listed on the policy. something to confirm with your insurance carrier.
discover baja.
sbwontoo
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
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Unless you are covering one vehicle with only liability and the other with comprehensive, there is no advantage of splitting your policy like that.
That is usually only done if you want comprehensive and collision on say the truck, but only want liability on the trailer. Even with that, you can
usually set your policy up that way as long as you are clear with the insurance agent about what you want covered, but you always save money by
putting both on the same policy.
Now the question arises about trailers. Boats are usually only covered when they are being towed and that way they get away from theft coverage.
In fact some companies admit that if you went in for a meal and came back out and the boat was stolen, even though it was attached at the time, that
you might not have coverage. Generally though, travel trailers are dealt with differently than boat trailers and are usually covered however you want
them to be set up. If you want it replaced in the event of an accident you need comp and collision. If you just want to cover the people you run
over, then liability would do the trick.
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boe4fun
Super Nomad
Posts: 1040
Registered: 1-22-2006
Location: Margaritaville
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Mood: Circling the drain........
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Woody, Check out the Vagabundos. Their policies will cover just about everything. BTW, how's the trailer coming along?
[Edited on 8-28-2010 by boe4fun]
Two dirt roads diverged in Baja and I, I took the one less graveled by......
Soy ignorante, apático y ambivalente. No lo sé y no me importa, ni modo.
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
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Mood: Everchangin'
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i put new carpet tiles down with a basket weave pattern, rebuilt the steps, fixed the taillight.
5 weeks and counting.....
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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and 2 new tires (to keep the 2 spares resting easy!), fixed the electrical hook up.... just need a vacation!
[Edited on 8-29-2010 by woody with a view]
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