When touring in Europe,I pull a trailer with my motorbike in it,should I insure the trailer separately,I did last year, any thoughts?Another advantage I have found with the trailer is I can take lots more stuff,barbecues,chairs,tools and all the heavy stuff I would otherwise have to carry in the MH or in the top box,potentially exceeding the payload of the MH costs a bit more for ferries etc but for me worth it.