Is your trailer properly insured?

As pandemic restrictions start to loosen and more campgrounds open for the summer, you may want to review the insurance on your trailer before taking to the open road.

At DPM Insurance Group, our brokers and CSRs want to find out what type of trailer our customer owns, so we can best determine whether it should be insured on an auto or property insurance policy. At the very least, the owner of a trailer should ensure their policy has appropriate third-party liability and physical damage exposures.

Since the World Health Organization declared COVID-19 a pandemic, provinces imposed various states of emergency. With Ontario in its second stage of re-opening, more facilities and services are now available at provincial parks in certain regions.

In Ontario, a trailer is considered a separate vehicle that needs a licence plate and vehicle permit issued by the Ministry of Transportation. But Ontario does not require a trailer to have a separate auto insurance policy.

When the trailer is being towed it receives the same liability coverage that is currently on your auto policy, BUT, it will not receive any other coverage associated with your auto policy such as comprehensive or collision coverage.

Since not all provinces require trailer insurance to be carried separate of a customer’s auto insurance policy, it’s always best for a customer to speak with a licensed insurance broker to discuss options.

Source: Canadian Underwriter

Blenheim Office

24 Marlborough St. N., Box 479
Blenheim, ON N0P1A0

Phone: 519-676-8159
Fax: 519-676-0020

Chatham Office

250 St. Clair St.
Chatham, ON N7L 3J9

Phone: 519-352-4343
Toll Free: 1-800-561-4949
Fax: 519-352-6484

Essex Office

29 Talbot St. N, Box 69
Essex, ON N8M 2Y1

Phone: 519-776-6457
Fax: 519-776-7400

Harrow Office

65 King St. W., Box 790
Harrow, ON N0R 1G0

Phone: 519-738-2277
Fax: 519-738-2279

Tilbury Office

59 Mill St. E, Box 1239
Tilbury, ON N0P 2L0

Phone: 519-682-0202
Fax: 519-682-2391

Wallaceburg Office

403 Wellington St.
Wallaceburg, ON N8A 2Y2

Phone: 519-627-1777