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MYTH: When my Trailer is attached to a vehicle - it is fully covered by the towing vehicles insurance policy.Incorrect. In Alberta, the SPF #1 (Standard Policy Form #1) gives unlimited permission to insureds to pull trailers. (There is no differentiation between owned & non-owned trailers). Third-Party Liability Coverage and Accident Benefits will apply to any personally used trailer used in connection with the towing vehicle.However, physical damage coverages (Collision, Hail, Theft, Fire, etc.) must be added by the trailer owner. Depending on the type of trailer, it may be insurable on a Habitational Policy (such as a vacation trailer) as well as an Auto Policy. ... See MoreSee Less

3 days ago ·

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