Trailer Insurance

Specialist cover for a range of trailer types

  • Covering a range of trailer types - from boat trailers to utility trailers
  • Factory-fitted accessories covered as standard
  • Up £20,000 coverage against theft, accidental and malicious damage, storm damage and more

Request a trailer insurance quote online

Request a quote

Or speak to our customer service team

01536 486060
01536 486060

Weekdays 9am - 5pm
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A brief summary of our trailer insurance features:

Trailer hire in the event of a claim

Should your trailer be out of use due to a claim, our policy will cover you to hire a replacement trailer. Please note that you must first submit your claim and have it accepted. Once your claim has been accepted and processed by the insurer, you can hire a temporary trailer, costing up to 10% of your trailer (sum insured).

New for old cover

‘New for old’ cover affords you compensation to replace your trailer with the exact same version or equivalent new version of your trailer, should it need to be replaced. Please note that if your trailer is under two years old, we'll pay out the price 'as new' if it is written off. If it is older than two years, we'll still pay out, but on a 'market value' basis. This means we'll pay out however much your trailer is worth at the time.

Theft and attempted theft

Theft cover is included as long as your trailer is fitted with a wheel clamp when it's not in use. Failure to do this could result in a theft claim not being paid. We also like to encourage safe storage - particularly if your trailer is worth more than £10,000. We can provide discounts on your horse trailer insurance if you store it on your driveway or in a garage. Other savings are available for different storage arrangements. Please note that theft cover does not include the contents of the trailer.

Recovery options

Our aim is to get your trailer repaired safely back on the road - but first, we have to get it to a location where it can be repaired. With our policy, you may be able to claim back the cost of pick up or recovery (subject to the insurer's terms and conditions). We'll also let you choose your repairer - so if you’ve got someone in mind, just let us know.

Trailer Insurance Claims

Though your trailer insurance claim will be managed and settled by your insurer, our friendly team is dedicated to helping you keep your claim moving forward.

Simply call using the number below and we'll advise you of the next steps in the process. We'll continue to guide you through as and when you need us thereafter.

Need to make a claim?

Give us a call and we’ll help settle your claim

01536 486060

Trailer Insurance FAQs

Can friends and family use my trailer?

Your trailer insurance will be valid when lending your trailer to family and friends, so long as they have the correct license to tow. However, your trailer insurance policy would be invalidated if you were to hire out your trailer for financial gain.

Can I insure a trailer that I'm borrowing or hiring from a friend or family?

No, you cannot take out trailer insurance if you are not the owner of the trailer.

What types of trailer can you insure?

We insure a wide range of trailer types, including but not limited to: travels trailers, horsebox trailers, car trailers, utility trailers, commercial trailers, enclosed trailers, boat trailers and garden trailers. If your trailer is not included in this list, this does not mean that we can't cover it. Speak to an adviser to find out whether Towergate can insure your trailer.

Can I get discounts on my trailer insurance?

If your trailer is worth over £10,000, we’ll offer you a discount on your trailer insurance if you store it at home. For example, on your driveway or in a garage. Savings can be made with other storage arrangements – please ask your adviser for more details.

What happens if my trailer becomes detached from my towing vehicle?

We will not cover for liabilities caused by the towing becoming detached from the towing vehicle.

What security precautions can I take to protect my trailer?

In order for your cover to be valid, we require a wheel clamp to be secured to your trailer when it’s not in use. Wheel locks do not offer the same level of security, so these are not acceptable alternatives. We also advise using a hitch lock, but this is not essential.

Will there be an excess fee on trailer insurance if I need to claim?

If you need to make a claim on your trailer insurance, standard excess is £50 for accidental damage and £100 for theft. However, these fees may change depending on your requirements. Your excesses will be explained to you at the point of quotation, so if you have any questions please do ask. Please also ensure that you read your policy summary and schedule to make sure you understand how much you may have to pay in the event of a claim.

Regulatory information:

Four Counties Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England No. 4043759. Registered Address Towergate House, Eclipse Park, Sittingbourne Road, Maidstone Kent ME14 3EN. Four Counties Insurance Brokers Limited is part of the Towergate Group of Companies.

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