Trailer Insurance

A trailer is an unpowered vehicle that is towed by another vehicle on the road. This could be your standard household trailer or a custom trailer made to carry items like jet-skis or bikes. Either way, trailers are designed to haul items from one place to another – usually from your home to your holiday accommodation and back again.

Our Trailer Insurance only includes cover for the trailer itself and any third-party damage caused by it. We don’t insure the valuables you keep inside it. Luckily, it’s easy to get cover for the goodies that make your holiday a pleasure; you can take out a Portable Possessions Insurance policy with us and specify which items you’d like to cover. From your cutlery to your holiday book collection to your swimming gear.

While our Trailer Insurance is comprehensive, it doesn’t cover your trailer if you use it to generate an income; it’s only covered if you use it for personal use. It also needs to be in a roadworthy condition at all times (even if it’s just gathering dust in the garage) and whoever is towing it must have a valid driver’s licence. It also goes without saying that the driver towing it must remain sober at all times, otherwise we will reject a claim. Finally, we only offer Trailer Insurance in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland, and Zimbabwe. If you tow your trailer to any other country aside from these, it won’t be covered.

There are loads of ways to lower your Trailer Insurance premiums. Similarly, try to claim as seldom as possible. The more you claim, the more it drives up your premiums.

Insurance is made to cover the unexpected, like unforeseen accidents, theft, or even natural disasters. Because wear and tear are expected to happen over time, we don’t cover it. That means you need to replace your trailer’s tyres regularly, ensure it seals properly to prevent damp problems, and change the light bulbs when they go out. But if you accidentally hit a lamp post while reversing (because towing a trailer is tricky!), we’ll cover the cost to repair the damage.