Trailer Insurance
Calculate the premium of your trailer insurance directly!
Have you recently bought a trailer? Then you might be thinking about the best way to insure your trailer. In principle you do not need a separate insurance for your trailer, but you can always choose for a special trailer insurance. With a trailer insurance you insure your trailer against damage caused by fire, vandalism, natural disaster and theft. Even if your trailer is damaged by your own actions, this is insured. You can also insure your horse trailer or boat trailer with a trailer insurance.
What is trailer insurance?
Trailer insurance is a special insurance for your trailer, semi-trailer, horse trailer or boat trailer. With a trailer insurance you insure your trailer against damage and theft, for example damage to your trailer caused by fire, burglary or own fault. Even if the cargo in the trailer causes damage, this is often included in the insurance.
Why insure a trailer?
With the WA-coverage of your car insurance, you are insured for damage that you cause to another with your trailer. All liability damage is covered. However, it can be wise to insure your trailer separately. A trailer insurance has an all-risk casco 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 can consider this especially when the trailer has a high current value.
What is insured with the trailer insurance?
Damage caused to others with your trailer is covered by third-party motor insurance or liability insurance. However, damage to your own trailer is not covered by these insurances. For this you can take a trailer insurance. With a trailer insurance you are insured for several damages, like damage by fire or burglary, and in case of theft.
Covered
With most insurers, the following damages are covered with a trailer insurance:
- Theft of the trailer or parts of the trailer
- Damage due to burglary
- Damage by fire, explosion, lightning or short circuit
- Damage by storm or hail
- Collision damage
Not covered
There are also a number of items excluded from cover. Always check in the policy conditions in which situations the insurer in question does not provide cover, but this is often the case in the following situations:
- Damage due to poor maintenance
- Rental is not covered
- There are no possibilities for replacement transport or assistance
- Warranty cases
- Damage due to joyriding/competitive driving
- Damage to the contents of the trailer
- Theft or break-in while the trailer was not locked properly
Frequently asked questions about trailer insurance
You are not obliged to insure a trailer separately. It is already insured on the towing vehicle. When you cause damage with your trailer, it is covered by the Third Party Liability (TPL) coverage of the car insurance. This cover applies as long as you are driving with your trailer, but also if it breaks loose. You can choose to insure the trailer with a special trailer insurance. A trailer insurance is especially wise when the trailer has a high daily value or is indispensable for you, for example because of your work.
With a trailer insurance you can insure a trailer, horse trailer, boat trailer or semi-trailer.
Yes, by taking out a trailer insurance you insure your trailer against theft. Without trailer insurance, damage to and theft of your trailer is not insured.
When calculating the premium, the insurer looks at:
- The value of the trailer
- The weight of the trailer
- The own risk
Compare trailer insurance
Remember to compare different trailer insurance policies in advance. On Alpina.nl you can calculate the premium for trailer insurance and then take out a policy immediately. With just a few clicks you will already 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 are at your service. They know everything about trailer insurance. 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.
Cost of trailer insurance
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 entering a number of details, you will get an indication of the monthly premium. You can then insure your trailer directly online.
Insuring a horse trailer
Do you want to insure your horse trailer? For this you can also take out a trailer insurance. A horse trailer is also covered under the trailer insurance. There are several insurers who offer a trailer insurance. Especially when you have a new horse trailer, it is important that you insure it properly. Always check carefully in the conditions of the insurer what is covered. For example, your horse may damage the trailer itself, but this is not covered by every insurer.
Trailer
insurance business
In addition to private trailer insurance, you can also insure your trailer for business purposes. For this there is a special business trailer insurance. Especially when your trailer is an important part of your company's business, it can be wise to take out a 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 the problems are quickly resolved so that the work can continue as usual.
Boat Trailer Insurance
If you cause damage to another vehicle with your boat trailer, it falls under the third-party cover of your car insurance. For example when you collide with another car while reversing or when you hit another car with your trailer while changing lanes. However, the boat trailer itself does not fall under the cover of a WA car insurance. You do not have to take out a separate boat trailer insurance, but you can take out a trailer insurance. With this, not only a trailer is insured, but also trailers like a boat trailer or horse trailer.
Insuring a horse trailer
Do you want to insure your horse trailer? For this you can also take out a trailer insurance. A horse trailer is also covered under the trailer insurance. There are several insurers who offer a trailer insurance. Especially when you have a new horse trailer, it is important that you insure it properly. Always check carefully in the conditions of the insurer what is covered. For example, your horse may damage the trailer itself, but this is not covered by every insurer.
Trailer
insurance business
In addition to private trailer insurance, you can also insure your trailer for business purposes. For this there is a special business trailer insurance. Especially when your trailer is an important part of your company's business, it can be wise to take out a 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 the problems are quickly resolved so that the work can continue as usual.
Boat Trailer Insurance
If you cause damage to another vehicle with your boat trailer, it falls under the third-party cover of your car insurance. For example when you collide with another car while reversing or when you hit another car with your trailer while changing lanes. However, the boat trailer itself does not fall under the cover of a WA car insurance. You do not have to take out a separate boat trailer insurance, but you can take out a trailer insurance. With this, not only a trailer is insured, but also trailers like a boat trailer or horse trailer.
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