Need advice - Insurance while trailer in storage at Escape Industries - NJ Resident - Page 2 - Escape Trailer Owners Community

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Old 12-09-2015, 11:07 AM   #11
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Originally Posted by CADreamin View Post
We have State Farm and they insured our trailer starting from the day we took ownership ... and they knew where the trailer was being stored. They required photos (ETI's weekly photos), VIN number, etc., etc., and we gave them our money. We took ownership in January and picked up the end of March.
This helps because I do not have State Farm for my auto policy and that is probably why they said no. This gives me an idea. Stay tuned.
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Old 12-09-2015, 11:08 AM   #12
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Quick side note I just want to thank everyone for the replies so far. This has got my wheels turning.
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Old 12-09-2015, 11:14 AM   #13
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Note: We got the best rates with Liberty Mutual....
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Old 12-09-2015, 11:34 AM   #14
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We got the best rate with Safeco. They needed the VIN and asked if the trailer was aluminum or fiberglass, and where the trailer would be stored. Don't know if Canada would have presented a problem. Loren
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Old 12-09-2015, 11:34 AM   #15
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Note: We got the best rates with Liberty Mutual....
Thank you. I just called Liberty Mutual. I would have to add an auto policy to get an RV policy, which I would be willing to do, but they said they only insure within the continental US.
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Old 12-09-2015, 11:39 AM   #16
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Originally Posted by Loren & Cathy View Post
We got the best rate with Safeco. They needed the VIN and asked if the trailer was aluminum or fiberglass, and where the trailer would be stored. Don't know if Canada would have presented a problem. Loren
Thanks I just called Safeco. They said the same thing as the other insurance carriers, they will not insure until I take possession.
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Old 12-09-2015, 11:45 AM   #17
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This brings up an interesting point, is the trailer yours since you have not physically received it?
When taking delivery, the trailer is not yours until delivered. Similar to "FOB" destination or shipping point, with delivery it would be FOB destination. With storage before pick up there maybe a gray area since you have not actually taken possession.Theft from ETI's property may well be their responsibility but what a legal mess. If you can get the insurance do it. I got mine to cover while the unit was in transit, just in case. State Farm is my insurer.
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Old 12-09-2015, 11:47 AM   #18
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You could try a Canadian insurance company. ETI sends many people to:
Hub International Barton in Chilliwack.
You might give them a call 604 792 4116
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Old 12-09-2015, 11:51 AM   #19
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.....they will not insure until I take possession.
I am missing something here, and even reread things. If you take possession when you send in the final payment, and insurance will only start then, why would you not be covered? Insurance companies from the US cover their clients in Canada all the time.

All I have ever done with any insurance, is to call my broker, give them the VIN, set my coverage, and I have the pink slip from them via email shortly. A paper one follows in the mail.
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Old 12-09-2015, 11:58 AM   #20
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Originally Posted by cpaharley2008 View Post
This brings up an interesting point, is the trailer yours since you have not physically received it?
When taking delivery, the trailer is not yours until delivered. Similar to "FOB" destination or shipping point, with delivery it would be FOB destination. With storage before pick up there maybe a gray area since you have not actually taken possession.Theft from ETI's property may well be their responsibility but what a legal mess. If you can get the insurance do it. I got mine to cover while the unit was in transit, just in case. State Farm is my insurer.
According to ETI I will own the trailer as of 1/11/16 when I make the final payment. They are going to mail the title and I will own it. I have thought about the fact that it will be on their property and I haven't taken possession so why wouldn't they be responsible. Maybe if something happened they would be responsible but that could get messy.

I bet a lot of people think their trailer is covered in Canada when in fact it isn't. I have called over 6 national insurance carriers and non of them will insure while in storage in Canada with the exception of maybe State Farm. I am waiting to hear back from them.
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