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If you regularly tow a trailer then getting dedicated trailer insurance is certainly worth considering since most car insurance policies that cover trailers only provide minimal protection. A trailer insurance policy can protect your trailer for all major risks, such as theft, damage, fire and liability claims.

Some great benefits of getting trailer insurance include:

• Full protection for your trailer
• Contents cover available
• Quick and easy quotes
• Easy claims process

A guide to trailer insurance

Towing a trailer regularly, whether for recreational or commercial purposes increases the risks that come with driving, especially if you only have regular car insurance. While most car insurance providers will allow you to insure your trailer, often it’s only third party cover they offer. This being the case, it’s a good idea to consider getting a dedicated trailer insurance policy that will give you full peace of mind.

Below you can find out more about trailer insurance, such as the types of cover available and ways you can save money. If you want to get quotes now, simply click the green button.

What types of cover are available?

Some of the main types of cover you can get for your trailer include:

• Basic – This will usually include third party cover for your trailer as well as accidental damage, fire and theft.
• Comprehensive – A comprehensive policy will include all of the above as well as things like replacement hire and European use in some cases.
• Public liability – If a third party was injured or had their property damaged as a result of your trailer, you’d be covered for any liability claims (and in some cases legal costs).
• Theft and damage – If your trailer was stolen or damaged, you’d be compensated for its current market value.
• Specialised trailer cover – This would cover more specialised types of trailers, such as a horse trailer.

Additional cover options

Some additional cover options to consider include:

• Contents cover – This would cover the contents of your trailer for theft or damage while in use.
• Replacement hire cover – If you needed a replacement trailer because yours was stolen or damaged, this type of cover would protect you.
• European cover – You can also choose to get European cover added to your policy if you plan to tow your trailer overseas.

What are the best ways to save money on trailer insurance?

A few ways to reduce the cost of trailer insurance are:

• Make your trailer secure – One of the best ways to reduce what you pay for trailer insurance is by keeping it somewhere secure. In most cases a locked garage is the best solution and will keep your insurance costs to a minimum.
• Increase excess – You can also choose to increase the excess on your policy i.e. what you’d pay if you had to make a claim.
• Use your no claims bonus – If you have a good no claims bonus from a previous trailer insurance policy or even a regular car insurance policy, this can often reduce the cost of your cover.
• Update your policy regularly – When it’s time to renew your trailer insurance policy, you should shop around to see if you’re able to get a better deal than your current one.
• Compare quotes – You should certainly compare quotes from different insurance providers when you’re looking for trailer insurance since it enables you to make an informed decision.

In summary: Buying trailer insurance

Although getting trailer insurance isn’t a legal necessity, if you regularly tow a trailer then it’s definitely worth considering taking out a dedicated policy to give you full protection. It’s easier than ever to get quotes now too, so getting cover at an affordable price should not prove difficult.

Get trailer insurance quotes quickly and easily

Hopefully you’re now more informed about trailer insurance and know what type of policy is right for you. If you want to get quotes from expert providers now that are tailored to your needs, then simply click the green button!

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