Is trailer insurance required?
Insuring a trailer is not mandatory. In fact, a trailer is already co-insured on the car insurance of the towing vehicle. The moment you cause damage with your trailer, it will be covered by the Civil Liability coverage of your car insurance. This coverage applies as long as you drive your trailer, but also if it becomes detached. However, there is also special trailer insurance. This insures your trailer against damage caused by fire, acts of nature, vandalism and theft, among other things. It is also insured if your trailer is damaged by your own actions.
Why insure a trailer?
It is not mandatory to insure your trailer, so why do it anyway? With the third-party coverage of your car insurance, you are insured for damage you cause to another person with your trailer. So these are only liability damages. Damage to your own trailer is not insured. Therefore, you should consider trailer insurance. A trailer insurance has an all-risk coverage, so you are also insured for damages you cannot control, such as fire damage or theft, and damage to the trailer due to your own fault. This is especially advisable if you have a trailer with a high daily value or if your trailer is indispensable, such as because of your job. You can also insure your horse trailer or boat trailer with trailer insurance.
What damage does trailer insurance cover?
Most insurers cover the following damages with trailer insurance:
- Damage caused by burglary
- Damage caused by fire, explosion, lightning or short circuit
- Theft of the trailer or parts of the trailer
- Damage caused by storm or hail
- Collision damage
Not mandatory, but wise: compare trailer insurance
Although trailer insurance is not mandatory, it does have its advantages. If you have decided that you want trailer insurance, it is important that you compare different providers in advance. At Alpina.nl you can calculate the premium for trailer insurance and then take out a policy immediately. The cost of trailer insurance depends on a number of factors, such as the value of the trailer. 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.
Get trailer insurance through Alpina right away!
You are not required to have trailer insurance, but it is sometimes wise. Do you still have questions about trailer insurance or would you like to discuss your options with one of our insurance experts? Then be sure to contact us! You can reach us Monday through Friday, from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us your question via message. This can be via email, WhatsApp or Messenger. We will answer your question as soon as possible!
Calculate your trailer insurance premium right away!
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