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Danpaine's avatar
Danpaine
Explorer
Aug 28, 2023

What insurance do you carry on your TOAD?

Hi there, All. After about 15 years of RV'ing, we're about to start towing a little car behind us. Just wondering, what insurance do you carry on the vehicle? Just liability, or everything, like most people insure their daily drivers?

Thanks in advance for your consideration.
  • Danpaine wrote:
    Hi there, All. After about 15 years of RV'ing, we're about to start towing a little car behind us. Just wondering, what insurance do you carry on the vehicle? Just liability, or everything, like most people insure their daily drivers?

    Thanks in advance for your consideration.

    full coverage. when not bring towed it IS our daily driver. recommend you do the same.
  • I have full coverage. But if it’s an older vehicle like say a 2001 Jeep Grand Cherokee with over 100k miles the. It’s not worth it to have comprehensive.
  • The choice is really no different from any other car.

    How much is the toad worth and how easily could you afford to pay for a replacement.
    - A $50k car that would be a major financial hit if you lost it...get full coverae.
    - $3k car that you could replace with cash, no problem...PLPD.

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