Do not Lock your Hitch

msmith1199 wrote:
I don't know if this is still the case or not, but many years ago when I was an insurance adjuster there were companies that wrote exclusions into their policies that said they would not cover a theft if you left your keys in the car. In most toads you have to leave your keys in the car in order to keep the steering unlocked. So if you don't have the toad locked to the motorhome it would be about a two minute process for somebody to unhook it, break a window to get in, and be gone with your toad. Just something to consider. Of course if you have a policy that excludes coverage if you left your keys in the car, even if you do lock it to the motorhome you've still left your keys in the car. Any current insurance people out there know if this is still a common exclusion in insurance policies?

I would be surprised of this is the norm, as most cars are owned by the bank, which means the insurance must cover all contingencies, including owner negligence. I doubt a bank would ever except that type of exclusion.