Insurance Travel Trailer Policy

INSURANCE TRAVEL TRAILER POLICY

Policy Declarations

Policy Number:    Issuer Name:

Phone:    Email:

Date of Birth:    Location Where Trailer Is Kept:

Trailer Description

Make:    Model:    Year:

Vehicle Identification Number (VIN) / Serial No.:

Year Manufactured:    Gross Vehicle Weight Rating (GVWR):

Policy Period

Effective Date:    Expiration Date:

Coverages and Limits

The Insurer agrees to provide the coverages selected below subject to the terms, conditions and exclusions of this policy.

Comprehensive Coverage — Limit: $   Deductible: $   Annual Premium: $

Collision Coverage — Limit: $   Deductible: $   Annual Premium: $

Liability (Bodily Injury & Property Damage) — Each Accident Limit: $   Annual Premium: $

Personal Effects Coverage — Limit: $   Deductible: $   Annual Premium: $

Uninsured/Underinsured Motorist — Each Person Limit: $   Annual Premium: $

Optional Endorsements and Additional Coverages

Roadside Assistance — Annual Premium: $

Replacement Cost for Personal Effects — Annual Premium: $

Premium Summary

Exclusions

This policy does not cover loss, damage or liability caused directly or indirectly by any of the following unless coverage is added by endorsement: (a) wear and tear, gradual deterioration, mechanical or electrical breakdown or latent defect; (b) loss or damage caused intentionally by the insured or at the insured's direction; (c) nuclear hazard, war, insurrection or seizure by civil or military authority; (d) theft by a person to whom the trailer was entrusted unless specified under a separate endorsement; (e) loss to property used in trade or business unless declared; (f) mold, mildew, contamination, wet rot or vermin except as direct result of a covered peril. Additional exclusions may apply as set forth in policy provisions.

Policy Conditions

1. Notice and Proof of Loss: In the event of any occurrence that may give rise to a claim, the insured shall give prompt written notice to the insurer, take reasonable steps to protect the trailer from further damage, and submit a written proof of loss within a reasonable time, including receipts, repair estimates and any police report when applicable.

2. Cooperation and Examination: The insured shall cooperate with the insurer in the investigation and settlement of any claim and submit to examination under oath if requested. The insurer may inspect the trailer and any relevant records at reasonable times.

3. Subrogation and Salvage: Following payment of a claim, the insurer shall be subrogated to the insured's rights against any third party responsible for the loss. The insurer may take possession of and retain salvage and may settle any claim by compromise.

4. Fraud and Misrepresentation: This policy is void as to any insured who, whether before or after a loss, has willfully concealed or misrepresented any material fact or circumstance concerning this insurance, the subject thereof or the insured's interest therein, or in the case of any fraud or false swearing relating thereto.

5. Cancellation and Nonrenewal: This policy may be canceled or nonrenewed in accordance with the terms stated in the policy contract. Premium adjustments due to cancellation will be calculated pro rata unless otherwise stated in the policy contract.

Loss Payee / Beneficiary

Loss Payee Name:

Relationship to Insured:    Address:

Claims Reporting and Documentation

Estimated Damage Amount: $    Police Report No. (if any):

Photographs of damage

Receipts for repairs/items

Repair estimates

Preferred Repair Facility:

Declaration and Certification by Insured

The undersigned insured certifies that the information provided in this policy and any accompanying statements is true and complete to the best of the insured's knowledge. The insured consents to reasonable inspection of the trailer and its records by the insurer and authorizes the release of information necessary to underwrite and administer the policy. The insured understands that material misrepresentation or omission in obtaining coverage may result in denial of claims or rescission of coverage to the extent permitted by law.

Fraud Warning: Any person who knowingly presents false information in an application for insurance or in the proof of loss for the purpose of defrauding the insurer may be guilty of insurance fraud and subject to criminal penalties as provided by law.

Additional Remarks

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