What does trailer insurance cover?
What does trailer insurance cover?
Trailer insurance covers your trailer against accidental damage (including while towing), theft, fire and storm damage, whether it's loaded, being towed or parked in storage. It does not cover the goods you carry unless you add goods-in-transit or contents cover. Third-party liability for damage the trailer causes is usually handled by your towing vehicle's policy.
Key takeaways
- Covers accidental damage, theft, fire and storm to the trailer.
- Applies while towing, loaded or in storage, subject to security terms.
- The load or goods carried usually need separate cover.
- Towing liability is covered by your vehicle's policy, not the trailer's.
- Wear, tear and overloading damage are excluded.
The trailer itself
Core cover protects the trailer's structure — chassis, body, wheels and fittings — against accidental damage, overturning, theft, fire and storm. This applies whether it's hitched and towing, standing loaded, or parked in storage, subject to any security conditions in the policy.
What's not automatically covered
The goods you carry are usually not covered by the trailer policy — you'd need goods-in-transit or a contents extension for that. Damage from overloading beyond the trailer's rated capacity, and general wear and tear, are excluded. Third-party damage the trailer causes while towing is covered by your vehicle's liability cover.