There are not many factors within your control which will lower your trailer tent insurance premium but you might find it possible to lower your premium by agreeing to only park and camp on secure camp sites, or by providing an insurance company with details of the type of locks and hitchlocks you use to secure your trailer tent and affix it to your automobile.
Some insurers are happy to lower the prices of a premium if the features of the trailer and the features of the policy itself allow for less risk from their side of the bargain. For example, you might opt for a policy with a high excess amount (excess being the amount of money you need to contribute yourself in the event that you make a claim.) Or if you use tracking devices on your trailer they might offer you a cheap trailer tent insurance. Caravan club membership and storage of your trailer at registered, well respect and secure camp sites can also lower the amount of money an insurer expects you to pay.
Other Ways to Lower Premiums
As with motoring, a no claims history can also stand you in good stead with some trailer tent insurers and security features such as the type and brand of wheel clamp you use or the type or model of hitchlock you secure the trailer to the car with can also factor in to earning you big savings.
There are lots of ways to impress insurers by making a personal effort to reduce the chances of you needing to ever make a claim too. Telling an insurer that you never leave expensive things where potential thieves can see them, that you keep doors securely locked and that you take good care of your belongings within your trailer tent will all reassure them that you are less likely to make a claim and could lower your premium.
You can also keep items which you need to store outside such as a generator or bicycle safe by chaining them to the chassis of the trailer but it’s prudent to cover them with a tarpaulin or other suitable cover where possible to avoid attracting thieves and reduce the chances of the trailer and adjacent items taking natural damage (such as rust or rain damage.)
Choosing Wisely
Where you choose to park your car can alter your car insurance premium at home, for example cars in garages pay lower premiums than cars parked on the street. Sometimes insurers use a similar system to decide how much to charge you for trailer tent insurance. Trailers which are parked in secure camp sites are less likely to be quoted high premiums than those parked in rural and unofficial sites. That’s one reason that Caravan Club membership can be a huge asset, because people with a Caravan Club membership are more likely to choose well established, professionally run camp sites than potentially dangerous or risky ones.
It can be a good idea to list the precautions you take on a notepad before you call an insurer or apply for insurance online. That way, you can easily make sure that they’re aware of all the factors which could lower the price of your trailer tent insurance quotes.