Whilst the Road Traffic Act makes it normal for a motor insurance to protect you against third party liabilities whilst they are towing a trailer, rarely does the policy offer protection against loss or damage to the trailer itself, leaving you with a financial risk.

To remove this risk, we have developed a specialist trailer policy that offers protection against loss of or damage to a wide range of trailer types, using our award winning digital proposition to deliver a best in class service experience.

We understand that a trailer is more than just an accessory – it’s an essential part of your lifestyle or business. Whether you use it to transport goods, equipment or for recreational purposes, safeguarding it against unforeseen events is crucial.

Did you know that thousands of trailers are stolen or damaged every year?

With theft on the rise, especially in rural and urban fringe areas, your trailer could be a target. The Equipment Register (TER), Europe’s largest database of stolen plant and equipment, reports that 10 per cent of checks undertaken on its database match stolen items. Of the 1.6 million items listed in the TER database 850,000 are trailers – a staggering number, demonstrating how frequently trailers are targeted.

But it’s not just theft that poses a risk. Accidents, weather damage, fire and vandalism can also lead to costly repairs or even a total loss. Trailers are often exposed to harsh conditions – from road debris to extreme weather – making damage an all too common occurrence.

Our specialist Trailer policy offers:

• Protection that is independent of the towing vehicle.
• Cover for a large number of trailer types
• Cover whilst both attached and detached
• Cover for factory-fitted accessories
• Replacement locks cover
• Cover available for both commercial and domestic use
• Use of our reliable and proven claims service

Why choose our Trailer Insurance?

If you own a trailer, whether for business or leisure, it’s essential to understand that trailers are often not covered by standard vehicle insurance policies. That’s where we come in. Our dedicated trailer insurance policy provides the essential coverage you need, accidental damage, fire and theft cover, replacement locks cover and more.

What isn’t Covered?

Certain exclusions apply to our trailer insurance, including but not limited to:

• Legal liability for loss, damage or injury
• Damage caused while the trailer is towed by an unauthorised or disqualified driver
• Deliberate or criminal acts by you or the driver
• Contractual liability, war, terrorism or pollution
• Loss of use, wear and tear or lack of maintenance
• Loss of or damage / injury to Goods / Passengers carried in or on the trailer
• Fixtures or fittings not permanently fitted to the trailer

In certain cases, we will require your trailer to be secured with a wheel clamp or hitch lock when not in use. The quote will be based on the protection in place. If these conditions aren’t met, a claim involving theft of the trailer may be denied.

Cover for most Trailer Types

Our insurance covers a broad range of trailers, including but limited to:

• Catering trailer
• Drill
• Flatbed
• Fuel bowser
• Harvester
• Horse trailer
• Livestock
• Passenger
• Refrigerated
• Shoot trailers
• Tilt bed
• Tipper
• Trailer with permanently attached plant
• Car transporter (not used for motor trade)

Do I Need Trailer Insurance?

Whilst a normal motor insurance will cover third party liabilities whilst the trailer is attached to the insured vehicle, rarely do they cover loss of or damage to the trailer itself. Our trailer coverage policy gives you peace of mind in knowing that your trailer is covered should it become damaged or stolen.