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Old 04-24-2015, 12:30 PM   #1
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I was told by my 5th wheel insurance company that they do not furnish insurance cards?

They told me that my vehicle insurance covers my 5th wheel therefore I dont have to carry an insurance card for my 5th wheel. Is this correct?
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Old 04-24-2015, 12:34 PM   #2
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Liability coverage transfers to the fiver and is the only required insurance on a vehicle. My trailer insurance company doesn't supply a card either.


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Old 04-24-2015, 12:35 PM   #3
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Yes that's what mine told me cause when it's hooked to the truck the trucks policy covers both I do carry the policy declaration with me
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Old 04-24-2015, 12:52 PM   #4
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That may depend on your jurisdiction. It is true for us in Ontario, Canada. It would likely only cover liability though, and only when your 5er is connected to the TV. Take to your insurance agent for the TV to be sure.
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Old 04-24-2015, 12:59 PM   #5
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We are in Alberta, Canada. However, I believe the following may apply in many jurisdictions.
1. The tow vehicle's insurance covers your trailer only while hitched.
2. We have a separate trailer policy for comprehensive protection. You need
this in case your trailer is damaged while parked and unhooked from TV.
3. Liability coverage {for while not towing} comes from an extension off of our
home insurance policy. Some companies require a separate rider to have
this protection. You need this protection {suppose someone was to get hurt
at your camp site or your unit caught fire and the fire spread to adjoining
trailers, as examples} because your TV liability may not protect you.
Again, this is not definitive information but given as food for thought to try to help. Insurance is a necessary evil.
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Old 04-24-2015, 01:01 PM   #6
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I have full coverage on my 5th wheel.

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Old 04-24-2015, 01:05 PM   #7
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Quote:
Originally Posted by Randy and Diane View Post
We are in Alberta, Canada. However, I believe the following may apply in many jurisdictions.
1. The tow vehicle's insurance covers your trailer only while hitched.
2. We have a separate trailer policy for comprehensive protection. You need
this in case your trailer is damaged while parked and unhooked from TV.
3. Liability coverage {for while not towing} comes from an extension off of our
home insurance policy. Some companies require a separate rider to have
this protection. You need this protection {suppose someone was to get hurt
at your camp site or your unit caught fire and the fire spread to adjoining
trailers, as examples} because your TV liability may not protect you.
Again, this is not definitive information but given as food for thought to try to help. Insurance is a necessary evil.
Don't know what location the OP is in but Randy and Dianne hit the nail on the head for Alberta.
We do not receive a pink card for the trailer here either.
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Old 04-24-2015, 01:06 PM   #8
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I was told by my insurance agent the same as above. As long as the rv is attached to the TV it is covered under my Truck insurance. If something where to happen to the RV when it was not attached, out on property and a tree fall on it, that is not covered.

I think I would connect my RV to the truck if that happened before I called the insurance. Campgrounds have limited liability, such as a tree falling their instance may not cover your RV. I did by a separate card for my RV to cover the what IFs, many do not and it is not required.
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Old 04-24-2015, 01:21 PM   #9
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I really dont have a home location as I am traveling full time and currently in Nashville TN. But I have full coverage on my 5th wheel and just in case I am going to keep the dec page in my truck. I made sure to add the best coverage on my RV. I went through Allied because Good Sam referred them. That was a mistake. They suck. They dont even have paperless services and to get through to them you have to set a day aside because their phone system is horrible to get a real person. I am currently looking to go with AAA for my RV insurance as I have recently switched my truck to them. Any advice on the best 5th wheel insurance? I also dropped Good Sam after being left with no road side service twice and switched to AAA for roadside.
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Old 04-24-2015, 01:31 PM   #10
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We use home insurance rider for both our trailers. We have CAA for roadside assistance which is AAA in USA. The Coachnet supplied with the trailer may work, never hear if anyone used them. Mobile RV guys in Canada are few and far between so most likely a tow to dealer to get repaired is the best solution.
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