Liability
- Covered while coupled
- Under the car's third-party liability cover
- Uncoupled: no longer covered
Compare trailer insurance
A private trailer is on the road a few weekends a year and stands still for the other eleven months. It is exactly that standing still that determines the cover you need.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
As long as the trailer is behind the car, liability runs with the third-party liability cover of the towing vehicle. Damage to the trailer itself is never included there, and as soon as you uncouple, that liability cover falls away too. From that moment the trailer is a loose object without a policy, usually on your own driveway.
Do not assume the home insurance will absorb this. Buildings and home contents policies exclude motor vehicles and trailers. A trailer that disappears from behind the shed falls outside them. Own-damage cover of your own pays for damage and theft, almost always subject to the requirement of an approved coupling lock and a declared storage location.
Not covered: the load, driving without the correct entitlement, wear to tyres, brakes and the drawbar, and theft from a location other than the one you declared. If you use the trailer for business, look instead at the version for self-employed professionals.
Independent, personal, sorted quickly
We compare your trailer insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Trailer insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does trailer insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
External causes beyond your control.
- Fire and storm
- Theft after forced entry
- Hail, depending on the policy
Comprehensive
Including damage you cause yourself.
- Collision and manoeuvring
- Vandalism
- Contents as a separate section
What is covered
| Situation | Third-party, fire and theft | Comprehensive |
|---|---|---|
| Theft after forced entry, with the prescribed lock | Yes | Yes |
| Fire and storm damage on the pitch | Yes | Yes |
| Hail damage to roof and walls | Provided that | Yes |
| Collision damage while manoeuvring | No | Yes |
| Contents in the caravan or trailer | Provided that | Provided that |
| Damp, wear and deferred maintenance | No | No |
A trailer or caravan is not an independent motor vehicle and therefore has no insurance requirement of its own. Damage you cause to others with it falls under the third-party liability cover of the towing vehicle, as long as the combination is coupled (Article 2 WAM). Once the trailer is uncoupled and has come to a standstill, that cover no longer applies.
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- List price including the fixed body. Chassis plus cover, drawbar box, loading ramps and jockey wheel, provided you have declared them with a value.
- Type of trailer. A box trailer, open flatbed, closed body, boat trailer or horsebox each has its own claims pattern.
- Maximum permitted mass. Under or over 750 kilos. That determines whether registration is compulsory and what the combination requires.
- Storage address and security. Driveway, enclosed land or garage, and whether a coupling lock or wheel clamp is used.
- Frequency of use and territorial limits. A few weekends a year or regular holiday trips abroad.
- Type of cover and excess. Fire, storm and theft only, or full own-damage cover, and the excess that goes with it.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Eleven months of standing still is the real risk
A box trailer, boat trailer or flatbed is used a handful of times a year and stands beside the house or behind the shed for the rest of the year. That is also where it is stolen, uncoupled and without witnesses. Insurers therefore tie theft cover to the declared storage address and to an approved lock. If the actual location differs from that, it is grounds for limiting the payout after a theft.
Lending: whoever tows determines the liability cover
If your neighbour borrows the trailer for a trip to the recycling centre, liability for damage to other people runs through the third-party liability cover of are car, not through yours. If he damages the trailer itself, that comes back to your own-damage cover, including the excess and the effect on your claims record. Record who is towing and agree in advance who bears the excess.
What you carry is never included
The boat on the trailer, the horse in the trailer, the bicycles, the removal boxes and the garden waste are not part of the trailer policy. For a boat there is pleasure craft insurance, for a horse there is separate cover, and for household goods the away from home cover of your home contents insurance applies, with limits of its own. Fixed bodywork such as a cover, drawbar box, jockey wheel and loading ramps also counts only if you declare it with a value.
Licence category BE, code 96 and the weight of the combination
From 750 kilos maximum permitted mass the trailer must be registered, and the combination of car and trailer may exceed the limit of a category B licence; BE or code 96 is then required. Driving without that entitlement is grounds for exclusion. Under Article 2 of the Dutch Motor Insurance Liability Act (WAM) the other party will still be compensated, but the insurer will then recover that amount from you in full.
The load is never covered
What you carry (tools, materials, a motorbike, a boat) is not covered under the trailer policy. For that you need separate goods in transit insurance, with requirements of its own for overnight storage.
Mind the licence and the weight of the combination
From 750 kilos the trailer must be registered, and the combination of car and trailer may exceed the limit of a category B licence. Driving without the correct entitlement is grounds for exclusion: including for the third-party damage the insurer pays to the other party and then recovers from you.
Frequently asked questions
This is what people ask us most.
Is my trailer covered by my car insurance?
Only for liability, and only while it is coupled to the towing vehicle. Damage to the trailer itself is never covered, and as soon as you uncouple, that liability cover falls away too. For theft from the driveway or damage while it is in storage you need separate own-damage cover; buildings and home contents insurance expressly exclude trailers.
Am I covered if someone else tows my trailer?
Liability for damage to other people then runs through the third-party liability cover of that person's car. Your own-damage cover continues to apply to damage to the trailer itself, including where the borrower causes it, with an excess and consequences for your claims record. Agree in advance who pays that excess, and report the lending if it happens regularly.
Is my boat or horse on the trailer insured?
No. The trailer policy covers the chassis and the declared fixed bodywork, not what you carry. A boat needs pleasure craft insurance and that policy must also cover transport by road. A horse needs cover of its own. With both, check whether carriage on a trailer is expressly included and what requirements apply to securing the load.
Does the cover also apply on holiday abroad?
Look at the territorial limits on the policy schedule. These usually match the countries on the green card of the towing vehicle. Report longer stays and pay attention to the theft conditions: at a campsite or hotel car park the storage differs from the address you declared, and it is precisely there that the requirement of a coupling lock applies in full.
Every situation is different. For these situations we have a separate page.
- Insuring a trailer for a self-employed professionalUncoupled, bodywork, load
- Insuring a trailerOpen or closed, coupling lock, uncoupled
- Trailer insuranceCoupled, uncoupled, theft
- Business trailer insuranceUncoupled, theft, load
- Container and trailer insuranceSwap bodies, containers, theft
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
Read more
Everything on this topic
- Nationale nederlanden aanhangwagenverzekering
- Asr aanhangwagenverzekering
- Avero achmea aanhangwagenverzekering
- De goudse zakelijk aanhangwagenverzekering
- Turien co aanhangwagenverzekering paardentrailer en aanhangerverzekering
- Nationale nederlanden zakelijk aanhangwagenverzekering bedrijven
- Avero achmea zakelijk aanhangwagenverzekering
Similar pages
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.