Trailer Insurance

Protects your trailer against accidents, theft, and liability.

Trailer insurance covers trailers (such as box trailers, horse floats, or camper trailers) against damage and loss. This typically includes cover if the trailer is damaged in an accident, stolen, or damaged by events like fire or storms. While liability for accidents while towing a trailer is generally covered by the towing vehicle's insurance in Australia, a trailer policy ensures the trailer itself is covered for repair or replacement. It's useful if you have a valuable trailer that wouldn't be fully covered under your standard car insurance.

Key Benefits

Damage & Accident Cover

Pays for repairs or replacement if your trailer is damaged in a road accident or other mishaps (like a tree falling on it or a rollover), making sure you're not out-of-pocket to fix or replace your trailer.

Theft Protection

Covers you if your trailer is stolen. Given trailers can be easy targets for theft when not attached to a vehicle, this benefit ensures you can recover your trailer's value if someone steals it.

Fire & Weather Damage

Provides cover if your trailer is destroyed or damaged due to fire or severe weather (like hail or storms). This means you can repair or replace your trailer after natural events or accidents that are out of your control.

Frequently Asked Questions

If you have a trailer of significant value, separate trailer insurance is a good idea. While your car's liability cover will extend to accidents caused by your trailer, the physical damage to the trailer itself is not covered by your car's insurance unless specifically noted. A trailer policy covers the trailer for theft or damage.

Various trailer types can be insured – common ones include box trailers, tradie trailers, horse floats, boat trailers, and camper trailers. If you can register the trailer or it has value, there's likely an insurance option. Always ensure the policy suits the type of trailer and usage (e.g., commercial use, etc.) you have.

Usually, if your trailer causes damage while being towed (like it swerves and hits another car), that's covered by your car's third-party liability. However, damage to your trailer in that scenario would only be covered if you have trailer insurance. Many trailer policies cover the trailer both when attached and detached (for theft or damage in storage as well).

Generally, trailer insurance covers the trailer itself, not the contents you might be carrying. If you're transporting goods or equipment, those items might need to be covered under a separate insurance (like a tools insurance, or contents cover if personal items). Check your policy – some camper trailer policies might cover annexes or camping gear as part of the cover.