Do I need separate trailer tent insurance?
Car insurance policies usually cover trailer tents while they are being towed, but that cover will be limited to third party when you stop and uncouple. Once parked up, the trailer tent will be exposed, vulnerable to theft and damage – and without adequate cover.
While insurance for your trailer tent or folding caravan isn’t a legal necessity, it is highly desirable and, it could be money well spent in the event of a claim.
As well as the actual trailer tent, thieves can target the gear stowed inside – and these could be items not covered by standard home insurance.
Benefits of getting a policy with Sterling
- Prices start from £90
- Covers all kinds of trailer tent and folding camper models
- Covers trailers up to the value of £40,000
- Includes European cover for up to 120 days, up to £1m public liability cover
- Camping gear cover available (optional extra)
- Claims helpline open 24/7
Prices start from £90 per year
Sterling compares prices so you get the very best trailer tent insurance quote. Phone one of our experts who will find a price that works for you and your needs. Discounts of up to 17.5% are available if you fit a data tag security system to your trailer.
Covers all kinds of trailer tent or folding camper
This accommodation on wheels is quite niche, but our policies can provide flexible cover in case anything happens. Our best prices are often over the phone. So let us know your needs, and we will find a policy from our range of insurance products. Additional camping gear cover is available from £26.50.
Cover for trailers up to the value of £40,000
Sterling will cover a trailer up to the value of £40,000, whether it’s used for work or pleasure. In fact, we can insure trailers for all kinds of needs. Call our team, let them know your circumstances, and we will find the policy for you.
Up to £1m in public liability cover
Sterling’s will also provide you with up to £1m public liability cover with its trailer insurance. As a standard feature in all of our trailer policies, it provides you with a certain level of cover if anything unexpected happened.
Includes European cover (for up to 120 days)
As well as being covered in the United Kingdom, Channel Islands and the Isle of Man, our trailer tent policies also include up to 120 days in the European Union. Extensions for longer periods in Europe and locations further afield are available on request.
Claims hotline is open 24/7
Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.
Frequently asked questions
What does Sterling trailer tent insurance include?
- Covers accidental damage, fire and theft.
- New for old cover on trailers up to three years old.
- Extras such as wheel clamps, storage covers, bike racks and storage boxes.
- Up to 17.5% discount for trailers fitted with security devices.
- Protection against weather damage to awnings.
- Emergency accommodation expenses in the event of storm damage.
- Cover for imported and high-value micro caravans.
- Cover that suits your needs.
How can I save money on my Sterling luggage trailer insurance policy?
Authorised and regulated by the Financial Conduct Authority (FCA), you will find Sterling insurance products are great value for money, but you can save a great deal more.
There’s up to 17.5% discount for trailers fitted with data tag security systems and up to 25% off for policyholders with No Claim Discount.
Sterling’s best deals on folding camper insurance are only available over the phone and cannot be found on price comparison sites.
Where can I find cheap trailer tent insurance?
Sterling are the trailer insurance experts and can offer remarkably cheap trailer tent cover.
As well as insurance for your trailer tent and folding camper Sterling can provide specialist cover for horsebox trailers, garden trailers, builders trailers, luggage trailers, boat trailers, flatbed trailers and teardrop trailers.
Whether your trailer tent is only rolled out once a year for the family holiday or is in regular use at caravanning club trips, Sterling will come up with the right deal for you.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
Can I insure my camping gear too?
Sterling also has standalone camping equipment cover. From just £90, you can protect all of your camping equipment, whether you’re spending the weekend in the English countryside, or going on a three month trip around Europe.
All furniture and furnishing associated with the camping trip, personal possessions, luggage and camping accessories will be protected, subject to an excess of £25.
Are there any trailer tent safety guidelines that I need to know?
- The laden weight of your trailer tent and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the trailer tent has brakes – 50% if it hasn’t. (Depending on when you passed your driving test the towing allowance may differ. Check for the latest Department for Transport advice.)
- Maximum trailer ten width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the trailer tent must display the same number plate as the towing vehicle.
- Trailer tent speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Trailers tents cannot use the outside lane of a motorway.