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Owning a trailer can be a significant financial investment, so if you’re planning on hitching a caravan, horsebox, or even a boat trailer to your car, there are some things you need to be aware of first.
It’s worth noting that what you can tow depends solely on the age of your driving license and what you plan to tow. When you compare trailer insurance policies with Quidco, you can choose from several different quotes and receive cashback when you switch.
Whilst most standard car insurance policies will cover a trailer or caravan if you plan to tow it, however, only on a third party cover basis. This means if you are at fault in an accident, you will only be covered for the other party's property damage and injuries.
Therefore, it is worth considering taking out a specific policy designed for trailers and towing vehicles. There are various different types of trailer insurance policies available; nevertheless, getting the correct quote is critical to ensure you're only paying for what you need.
Much like car insurance, trailer insurance has three different levels of cover which you can choose from depending on your towing needs.
This level of cover protects you financially should you have an accident that was deemed your fault and the other party suffers damage or injury. This is the legal minimum you are required to take out against a towed vehicle.
Similar to the above, however, this level of cover allows you to claim if your vehicle, or trailer, gets damaged by fire or is the subject of a theft.
This covers you the same as comprehensive car insurance: Protecting the other party, any damage caused by fire or theft, and anything damage or injury to your party. If you want to be fully covered for damage to your trailer, this is the right type of insurance to have, and usually works out at a decent price.
There are numerous parts to a policy for trailer insurance, and all providers will have different standard cover, so double-check the small print before committing to a policy.
If the trailer is rendered unusable for more than 24 hours due to loss or damage, certain insurers will cover you up to the policy limit. This usually covers the cost of hiring a replacement trailer from a third-party company.
If your trailer is lost or damaged for an extended period of time, then your insurance provider will cover the cost of a brand-new replacement item of equivalent value.
Theft protection is included as long as your trailer has a wheel clamp when not in use. Failure to do so may result in the denial of a theft claim.
This usually covers you for up to 30 days travelling in the European Union.
This cover simply protects you financially should you cause damage or injury to a member of the public or a third-party vehicle on the road.
Designed to launch, retrieve, carry and sometimes store boats, boat trailers are the popular choice for boat owners and nautical enthusiasts
Used to transport horses, these types of trailers are typically a little more expensive than a standard livestock trailer. This is due to the increased size and weight allowance
Also known as a stock trailer, a livestock trailer is used to transport cattle, horses, pigs, and other farm animals
Correctly named for their long neck, a gooseneck trailer provides a durable mode of transport for transporting heavy goods - the stability of this particular trailer makes it a popular and safe choice for many importers and exporters
Perfect for hauling large equipment, these wide and flat trailers are mainly used for transporting heavy and bulky machinery. A specialist trailer is used for this machinery as it is typically tall and wide and would exceed standard legal height and weight restrictions
Sometimes referred to as a dump truck, tipper trailers are the largest of all the above-mentioned trailers. The tipper trailer is used for transporting materials (such as sand, gravel, or demolition waste) for construction as well as coal
Also known as motor legal protection - legal expenses cover you financially should you be involved in an accident that ends up in court and you need to pay for legal fees such as a lawyer
This covers you and your trailer in the event of a breakdown and is an important add-on to have on any car-related insurance policy. Otherwise, you could be left with a hefty bill from a private breakdown service company
There are a few ways you can save money on your next trailer insurance policy:
By comparing different policies and insurance companies, Quidco can help you to find the cheapest available trailer insurance quotes. Work out the type of cover you need, then use the comparison tool to get instant quotes and find the ideal trailer insurance, what’s more, receive cashback on your savings!
Some insurers will cover your trailer within your car insurance policy however, this is typically only for third party cover. So if you plan to use your trailer regularly you might consider getting fire and theft, or even fully comprehensive insurance for your trailer.
Trailer insurance can start anywhere from £69, the price of your premium will depend on several factors, including; the type of trailer, the level of cover, your past claims, and what you plan to use the trailer for.
It is worth shopping around to find a quote that suits you, so you are not overpaying and you are covered for exactly the usage you need. When you compare quotes with Quidco, you could receive cashback on your savings, too!
Every insurance provider will charge a different premium for added trailer protection. When putting together a quote for your car insurance, have a look at the optional add ons and see if it works out more financially viable. Bear in mind that added cover on a car insurance policy will usually only offer third-party protection.
Whilst it isn’t mandatory, it is a good idea to be insured should anything happen that is out of your control.
Unfortunately, if your trailer were to become detached whilst towing there is little that insurance policies can cover you for. There are ways to prevent this however, by making sure that is properly attached with a secure lock.
There is specialised caravan insurance available for different types of caravans. So if you're planning on taking your home-on-wheels out for a holiday, it is recommended that you get extra protection.
The rules on what you can tow are different depending on when you passed your driving test. If you passed your car driving test on or after 1 January 1997 you can:
If you need to tow anything heavier than listed above, you must pass the B+E category exam. Drivers having licences issued before to January 1, 1997 are subject to the following rules:
To tow even heavier vehicles, you'll need to pass the C1+3 driving exam. This enables you to tow a total weight of up to 12,000kg MAM.
Check your eligibility to tow on the government website here.
The easiest way to weigh a trailer is to use a public weighbridge. These are usually privately owned and will charge you a small fee for using the service, however, it is worth knowing the weight your plan to tow before you set off. You can find a weighbridge near you here.
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*Cashback rates - £1 per valid trailer insurance purchase.