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Compare trailer insurance

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Compare trailer insurance quotes

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.

What is a trailer insurance policy?

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.

Types of trailer insurance policies

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. 

Third-party, fire and theft

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.

What is covered?

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. 

Replacement hire

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. 

New for old cover

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 and attempted theft

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.

European trailer use

This usually covers you for up to 30 days travelling in the European Union. 

Public liability

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.

Types of trailer covered

Boat trailers

Designed to launch, retrieve, carry and sometimes store boats, boat trailers are the popular choice for boat owners and nautical enthusiasts

Horsebox trailers

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

Livestock trailers

Also known as a stock trailer, a livestock trailer is used to transport cattle, horses, pigs, and other farm animals

Gooseneck trailers

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

Low-boy trailers

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

Tipper trailers

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

Optional additions

Legal expenses

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

Motor breakdown

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

How to save money on your trailer insurance policy

There are a few ways you can save money on your next trailer insurance policy:

  • Pay your premium annually: By paying annually, you cut the costs significantly. This allows you to avoid interest charges which are levied when you pay monthly
  • Increase security: By having sensible, strong locks and wheel clamps when the trailer is static, you are likely to pay less for insurance. Having a safe place to store it when not in use, for example, a garage, will keep premiums down too
  • Increase your excess: Only increase the excess if you can afford the pay out should you need to claim
  • Compare quotes with Quidco: When you compare with Quidco, you’ll not only see a range of policies and quotes, you can receive cashback on your quote, too!

Compare cheap trailer insurance and cashback

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!

Trailer Insurance FAQs

Do I need separate insurance for my trailer?

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.

How much does trailer insurance cost?

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!

How much does it cost to add trailer insurance?

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.

Do I need insurance to tow a trailer?

Whilst it isn’t mandatory, it is a good idea to be insured should anything happen that is out of your control. 

What happens if my trailer becomes detached from my towing vehicle?

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.

Does a caravan count as a trailer, or does this need a different type of insurance?

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.

Is there a limit on what I can tow?

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:

  • Drive a car or van up to 3,500kg maximum authorised mass (MAM) towing a trailer of up to 750kg MAM.
  • Tow a trailer over 750kg MAM as long as the combined MAM of the trailer and towing vehicle is no more than 3,500kg.

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:

  • Drive a car or van and a trailer or caravan of up to 8,250kg MAM.
  • You can drive a minibus while towing a trailer of over 750kg MAM.

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.

How can I weigh my trailer?

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.

Useful information

Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.

Please note:

  • Cashback is only available for genuine quotes.
  • Cashback is limited to 3 quotes per person for each product per year. Abuse of this may lead to the termination of your Quidco account.
  • Any user found giving false details will have their Quidco account terminated.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

The comparison service for insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

*Cashback rates - £1 per valid trailer insurance purchase.