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It's always been like that. When I used to ride enduros I found the car covered the trailer but not the bike(s), at times I would have my KTM 300 EXC, and my mates 250 and a 250 husky so quite a few quids worth as they were all under a year old.
It used to be that there would be whatever cover you had on the car, say comp BUT only third party on the trailer/content BUT as the bikes carried their own insurance they were not covered by the cars policy.
Any claim from that would have been a real PIA to deal with,
Given that mine was a sponsored bike I got some insurance through NFU that covered the trailer and the bikes, well the 'contents' of the trailer. The cover of that bit was way better than the car policy offered and wasn't invalidated by the cars policy. It was a bit biased in the wording to agricultural use so as well as machinery I was also good for livestock though strapping a few cows and/or shep onto the rails would have been fun.
NFU used to do all sorts of wierd and wonderful policies.
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"The final measure of any rider's skill is the inverse ratio of his preferred Traveling Speed to the number of bad scars on his body." Song of the sausage creature
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