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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.
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.
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.
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:
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:
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.
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