Trailer Insurance
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Trailer insurance
Do I need insurance to tow a trailer?
Some insurance companies may include cover for a trailer when you take out standard car insurance, but any cover would typically be limited. For instance, the car might be fully covered, but the trailer will only be covered for third-party risks. Also, the trailer must typically belong to you to be covered by your policy. Trailer insurance that’s included in car insurance will not cover commercial use either. With that in mind, car trailer insurance might be a worthwhile investment if you regularly have to tow a trailer. This could be for recreational or commercial purposes. It offers peace of mind, ensuring that your asset is protected at all times, no matter what you’re using it for.
Types of trailers covered by trailer insurance
Trailer insurance policies can cover the following types of trailers. There may be additional equipment that you’d like insured under your policy. An example would be trailer tent insurance which can usually be added at an additional cost. In some cases, you’ll need specialised trailer insurance. For example, you’ll need livestock trailer insurance to transport animals or commercial trailer insurance if you’re using the trailer for commercial purposes.
Box trailers
Flatbed trailers
Utility trailers
Commercial trailers
Boat trailers
Garden trailers
Factors to consider when choosing a trailer insurance policy
Coverage options
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.
Price and cost considerations
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.
Public liability coverage
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.
Accidental damage coverage
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.
Theft and damage protection
You’ll typically be paid out the market value of your trailer if it is stolen or damaged beyond repair.
Additional coverage options
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.
How to get cheaper trailer insurance
Increase security measures
Choose a higher excess
Bundle trailer insurance with other policies
Keep a clean claims history
Review and update coverage regularly
Compare trailer insurance policies before you buy
Trailer insurance FAQs
How much is trailer insurance?
Do you need insurance to tow a trailer in the UK?
Do trailers need an MOT?
Does car insurance cover you for towing?
Is trailer insurance mandatory?
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