Auto insurance

Personal vehicles

Unregistered trailer coverage

A trailer, in this instance, is defined as:

• transport trailers used for hauling materials
• cabin/tent trailers equipped for occupancy

When your trailer isn’t registered, you may obtain continuous storage coverage with the Auto Pak policy if the trailer isn’t used or operated when it’s unregistered. This feature applies automatically, even if you neglect to inform your broker that you’ve placed the trailer in storage.

The coverage will be the actual cash value of the trailer subject to your policy deductible.

Note: Motorhomes must be licensed at all times if they’re being used.

Defining 'in storage'

'In storage' means the trailer is not used or operated for the entire time it’s being stored. This includes no cooking, sleeping or eating in cabin/tent trailers. If your trailer is unlicensed and you intend to use it for cooking, eating or sleeping, you must notify your insurance broker to amend your policy, or you can renew your short-term registration for the time you wish to use the trailer.

As well, the trailer cannot be offered for sale, on consignment or undergoing repairs by you or a repair shop. There are a number of factors that come into play where you could unintentionally place yourself in an uninsured position.

It isn’t necessary to have your policy revised each time a trailer becomes unregistered.

Note: The policy follows the last plate number that is shown in the policy. Coverage applies only if the trailer is in storage and hasn’t been used or operated for the entire time it was unregistered.

Lending your trailer

You can discuss responsibility for insurance with the person or company with whom you’re entrusting the trailer. They may have coverage under their business insurance policy or they may require that you provide the insurance coverage.