Boat trailer insurance: insure your boat trailer directly!

Have you recently purchased a boat trailer to transport your boat? Then you may be wondering if it is necessary to insure it. In principle, you do not need to take out separate insurance for a boat trailer or trailer hitch, because damage to another person's vehicle is covered by your auto insurance. However, you can choose to take out special boat trailer insurance. With boat trailer insurance, you insure your boat trailer for damage caused by fire, vandalism, natural disasters or theft, for example. So you can transport your boat with peace of mind.

What is boat trailer insurance?

Boat trailer insurance is special insurance for your boat trailer. We also call boat trailer insurance a trailer insurance. With boat trailer insurance, your boat trailer is insured for damage and theft. Consider, for example, damage to your boat trailer caused by fire, burglary or your own fault.

Why insure your boat trailer?

If you cause damage to another vehicle with your boat trailer, it falls under the third-party coverage of your auto insurance policy. For example, if you collide with another car while reversing or if you hit another car with your trailer while changing lanes. However, the boat trailer itself does not fall under the coverage of third-party car insurance. For this, you can purchase a boat trailer insurance policy. With boat trailer insurance, your boat trailer is insured in case of damage or theft.

What is insured with boat trailer insurance?

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

Well covered

Most insurers cover the following damages with boat trailer insurance:

• Theft of the boat trailer or parts of the boat 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

Is insuring a boat trailer mandatory?

No, insuring a boat trailer is not mandatory. A boat trailer is already included in the insurance of the towing vehicle. The moment you cause damage with your boat trailer, it is covered by the third party liability coverage of your car insurance. This coverage applies both when you drive the boat trailer and when it becomes unhitched. If this also damages your boat trailer itself, unfortunately this is not covered. For this you can take out a special boat trailer insurance. A boat trailer insurance is especially wise if the boat trailer has a high daily value, or if it is indispensable for you. At Alpina.nl you can easily calculate the premium for boat trailer insurance.

Directly insure your boat trailer through Alpina!

At Alpina.nl , we have several options for insuring a trailer. Whether it's a boat trailer, horse trailer, car trailer, motorcycle trailer or other type of trailer: with us you can easily get the right insurance. With just a few details, we can already give you an indication of the premium. Then you choose which insurer you want to take out your boat trailer insurance with. This can be done 24 hours a day, 7 days a week.

Do you still have questions about boat trailer insurance or want to discuss? Then be sure to contact us! Our insurance specialists can help you with all your urgent questions. You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 030 - 6883700. You can also send us your question anytime via chat, WhatsApp or Facebook.