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Trailer Insurance Comparison

It’s a common mistake to assume that your car insurance policy will cover a trailer hitched to your car. The chances are, though, that this isn’t the case. Few car insurance policies cover trailers as standard, and few offer them as optional. Not only are you likely to have to insure your trailer separately if you want it to be insured, but you should be aware that many insurance policies for your car count a tow bar as a modification. Ensure you declare any changes when dealing with your car insurance.

What is trailer insurance?

Trailer insurance is a specialised form of motor insurance covering trailers. Cars and caravans are vehicles that tow trailers. However, the design of some trailers requires specialist machinery, such as tractors, which require specific types of insurance.

Towing a trailer can be more dangerous than driving a car or caravan. Insurance companies consider this more hazardous because trailers are larger and heavier than cars and trains, and so they cause more damage if they collide with other road users.​

What does this insurance cover?

Insurance for trailer owners provides cover against loss or damage to your trailer and your possessions in the trailer. Sometimes, business income is lost if you’re using your trailer for work when it’s damaged or stolen.

You can tow more minor, lighter trailers from your motorcycle insured, but you will likely be uninsured, so check with your insurer. Some motorcycle insurance policies may even forbid towing with your motorbike. Other policies offer cover as standard, as a paid add-on, or allow you to declare your trailer as an accessory.

What to look for in your trailer insurance policy?

Awareness of its effect on your vehicle insurance is crucial when insuring your trailer. Make sure that the policy you choose is the one that best suits your situation and needs. Here are a few considerations to review:

What are some considerations about Trailer insurance?

Trailer insurance is an essential consideration for anyone who owns a trailer. Whether you use your trailer for personal or business purposes, there are a few key considerations to keep in mind when it comes to insuring your trailer:

  1. Type of trailer: There are many different types of trailers, from utility trailers to horse trailers to cargo trailers. The type of trailer you have will affect the type and amount of insurance coverage you need.
  2. Usage: How you use your trailer will also impact your insurance needs. If you use your trailer for business purposes, you may need more coverage than for personal use.
  3. Value: The value of your trailer is another important consideration. You will want to ensure that your insurance coverage is sufficient to repair or replace your trailer in case of an accident or other damage.
  4. Liability coverage: Liability coverage is vital for trailers, just like for automobiles. This coverage will protect you if you are responsible for an accident or injury while using your trailer.
  5. Comprehensive and collision coverage: Comprehensive and collision coverage can provide added protection for your trailer in case of damage from theft, vandalism, or other accidents.
  6. Deductible: The deductible is the amount you will be responsible for paying before your insurance coverage kicks in. Choosing a higher deductible can lower your insurance premiums; however, your payment will likely be higher if you need to file a claim.
  7. Insurance provider: It’s essential to choose an insurance provider with experience insuring trailers and offering you the coverage you need at a price you can afford.


Overall, when it comes to insuring your trailer, it’s essential to consider your usage, the value of your trailer, and the type and amount of coverage you need to protect yourself and your investment.

Ensure you are not just comparing one insurance company but reaching many simultaneously, saving you time and money.

On this website, SEOPA provides this Insurance comparison tool. and are not responsible for the contents of the comparison you receive.

“The information contained within this page is for editorial purposes only and not intended as financial advice.”

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