Calculating and securing your trailer insurance

Trailer insurance is special insurance for your trailer, semi-trailer, horse trailer or boat trailer. With trailer insurance you insure your trailer for damage and theft, such as damage to your trailer caused by fire, burglary or your own fault. Even if the cargo in the trailer causes damage, this is often covered as well.

With the WA coverage of your car insurance, you are insured for damage you cause to another person with the trailer. All liability damage is thus covered. However, it may be wise to insure a trailer separately. A trailer insurance has a hull all-risk coverage, so you are also insured for damage to the trailer caused by your own fault and damage caused by fire or theft, for example. You may want to consider this especially if the trailer has a high daily value.

Damage you cause to others with your trailer is covered by third-party car insurance or liability insurance. However, damage to your own trailer is not covered by these policies. For this you can take out a trailer insurance. With a trailer insurance you are insured for various damages, such as damage from fire or burglary, and theft.

Well covered

Most insurers cover the following damages with trailer insurance:

• Theft of the trailer or parts of the trailer
• Damage caused by burglary
• Damage caused by fire, explosion, lightning or short circuit
• Damage caused by storm or hail
• Collision damage

Not covered

There are also a number of items excluded from coverage. Always check the policy conditions in which situations the particular insurer does not offer coverage, but often it is in the following situations:

• Damage caused by poor maintenance
• Rentals are not covered
• There are no options for replacement transportation or assistance
• Warranty Matters
• Damage from joyriding/race driving
• Damage to the contents of the trailer
• Theft or burglary while trailer was not properly locked

Remember to compare different trailer insurance policies in advance. At Alpina.nl you can calculate the premium for trailer insurance and then take out a policy right away. With just a few clicks you can see which insurance company has the best offer for you. You can do this 24 hours a day, 7 days a week. If you would rather consult our insurance specialists. They know everything about trailer insurance. You can reach us by phone from Monday to Friday from 08.00 to 18.00 on 030 - 6883700. You can also send us your question at any time via chat, WhatsApp or Facebook.

The cost of trailer insurance depends on a number of factors, such as the value of the trailer. To get a good idea of the costs, you can calculate an indication of the premium online at Alpina.nl You can use our handy online comparison tool. After filling in some data you will get an indication of the monthly premium. You can then insure your trailer directly online.

Do you want to insure a horse trailer? For this you can also take out trailer insurance. This is because a horse trailer also falls under the coverage of a trailer insurance. There are several insurers who offer trailer insurance. Especially when you have a new horse trailer, it is important that you insure it properly. However, always check carefully in the terms and conditions of the insurer what is covered. For example, a horse can damage the trailer itself, but this is not covered by every insurer.

In addition to private trailer insurance, you can also insure your trailer for business purposes. A special business trailer insurance exists for this purpose. Especially if your trailer is an important part of your company's operations, it may be wise to take out business trailer insurance. If the trailer is stolen or damaged by fire, for example, you can be sure that you are properly insured and that problems will be resolved quickly so that work can continue as usual.

If you cause damage to another vehicle with a boat trailer, it falls under the third-party coverage of your car insurance. For example, if you collide with another car while reversing or if you hit another car with the trailer while changing lanes. However, the boat trailer itself does not fall under the coverage of third-party car insurance. You don't have to purchase separate boat trailer insurance, but can purchase trailer insurance. This not only covers a trailer, but also trailer such as a boat trailer or horse trailer.