Can I have my trailer insured against theft?
Insuring a trailer is not mandatory. In fact, a trailer falls under the insurance of the towing vehicle. If you cause damage to another person with your trailer, the other party can recover the costs from the third-party coverage of your car insurance. However, this does not cover damage to your own trailer. For this you need a separate insurance. With a special trailer insurance you can insure your trailer against theft or damage caused by fire, burglary or collision, for example.
Trailer insurance against theft
With trailer insurance, you can insure your trailer against theft. This also applies to a boat trailer or horse trailer. Theft of a trailer is more common than you may think. Especially trailers weighing up to 750 kg are popular with thieves. This is because these are not registered, making them untraceable in case of theft. Therefore, it is nice to be properly insured in case of theft. Without trailer insurance, damage to and theft of your trailer is not insured. It is also important to secure your trailer properly, such as with a good lock or a GPS tracker.
What is all covered?
A trailer insurance policy has hull all-risk coverage. This means that the following damages are all covered:
- Damage caused by burglary
- Theft of the trailer or parts of the trailer
- Damage caused by fire, explosion, lightning or short circuit
- Damage caused by storm or hail
- Collision damage
With most insurers, the coverage applies both while on the road and when the trailer is in storage. You can find the details of your insurer in the policy conditions. Of course, you must have taken measures to secure the storage properly.
When to insure a trailer against theft?
Without trailer insurance, only liability damages are covered on your auto insurance's third-party coverage. If you also sustain damage to your own trailer, this is not covered. Therefore, it may be wise to insure your trailer separately. You are then not only insured in case of theft of the trailer, but also in case of various damages such as fire and storm. Trailer insurance is often taken out for trailers with a high daily value.
Insure your trailer against theft directly through Alpina
At Alpina.nl , you can easily insure your trailer against theft and other damages. Don't forget to compare different trailer insurance policies in advance. With our online comparer, you can calculate the insurance premium and then take out the insurance directly. You can do this 24 hours a day, 7 days a week. Do you still have questions? Then be sure to contact us. Our insurance specialists know everything about insuring a trailer. You can reach us by phone from Monday to Friday from 8 a.m. to 6 p.m. at 030 - 6883700. You can also send us your question at any time via chat, WhatsApp or Facebook.
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