Trailer Insurance

There are various levels of trailer insurance in the UK. The options typically fall into these categories: 

• Basic cover – typically covers accidental damage, third-party damage, fire and theft. 
• Comprehensive policy – in addition to basic cover it can include replacement hire if your trailer is unusable because of an insured event. It may also include new for old cover for trailers younger than 3 years, cover for factory-fitted accessories, and European use. 
• Specialised cover – for catering, horse, or race transport trailers. 

You can also choose the duration of your cover to suit your needs. Your options are usually short-term if you occasionally make use of a trailer, or long-term if you’re using your trailer continuously.  

Your trailer insurance cost can vary because many factors are taken into consideration. These include the value of the trailer, the intended use, the owner’s experience, security features, the trailer’s contents and of course, the excess amount. The duration of cover and any add-ons you choose will also impact the cost. If you’re looking for the best trailer insurance quote, you could benefit from comparing a wide range of quotes in order to find the best trailer insurance in the UK for your needs. 

Car trailer insurance in the UK typically covers legal liability costs for injury or property damage to third parties. Public liability cover may be included in the towing section of your standard car insurance and not in your trailer insurance. Make sure to read through your policy carefully to understand the limitations of any cover you consider.  

The details about what qualifies as accidental damage in insurance for a trailer could vary between insurers. It’s always a good idea to compare various quotes to find a policy with terms and conditions that best align with your needs. Comparing quotes increases your odds of finding a favourable deal. 

You’ll typically be paid out the market value of your trailer if it is stolen or damaged beyond repair. 

As with any other insurance policy you can choose from several add-ons to ensure you have sufficient cover. This could include breakdown cover, key protection, contents cover, replacement hire cover, European coverage and more. Add-ons typically come at an additional cost but might be worth it for the extra protection they offer.