Trailer insurance
Your trailer is more than just something you tow — it's often carrying the tools and equipment that keep your business moving.
Imagine a rear end collision damaging your trailer, or worse it being stolen, completely stopping you from getting your equipment on-site. You’d then have to face the set back, bearing the cost or replacing lost tools entirely. Just as you get insurance for your truck or ute, trailer insurance is a must have for protecting your livelihood against the unforeseen.
Tradesure work trailer insurance provides reliable trailer insurance cover for tradies who rely on their trailers. Whether you’re using a box trailer, enclosed work trailer, or even a horse float, having the right insurance cover in place helps protect you against any additional costs.
What is work trailer insurance?
Business trailer insurance offers financial protection for you in an unexpected insured event. From accidental damage and attempted theft to vandalism and natural events, trailer insurance policies are designed to cover repairs or replacement costs, helping reduce downtime and avoid unexpected costs.
Work trailer insurance is specifically designed for trailers that are used for business purposes, offering comprehensive cover for incidents that might occur during work-related activities. This includes the transportation of goods, tools, and equipment to and from work sites. With optional cover available, you can tailor your policy to suit your intended destination, work setup, and daily use.
Types of trailer insurance
When it comes to protecting your trailer, there are several types of trailer insurance policies to choose from, each offering different levels of cover. The most comprehensive option is comprehensive trailer insurance, which provides cover for accidental damage, theft, fire, and a wide range of insured events. This type of insurance is ideal if you want peace of mind knowing your trailer is protected against most risks, whether it’s on the road or parked at a job site.
Another option is third-party fire and theft trailer insurance. This policy covers you if your trailer causes damage to other people’s property or vehicles (party fire), and also provides cover if your trailer is stolen or damaged by fire. However, it won’t cover accidental damage to your own trailer from other causes.
For those seeking a more basic level of protection, third-party property damage trailer insurance is available. This policy covers damage your trailer may cause to someone else’s property or vehicle, but does not provide cover for your own trailer if it’s damaged or stolen.
Choosing the right type of trailer insurance is essential to ensure you have the right level of cover for your business or personal needs. Consider the value of your trailer, how you use it, and the risks you want to be protected against before selecting an insurance policy.
What are the differences between trailer insurance and car insurance policies?
Understanding the distinction between CTP car insurance cover and trailer insurance is essential. It’s a common misconception that your trailer is automatically covered under your car insurance policy. Most car insurance policies only cover your vehicle while towing a caravan or trailer, but not the trailer itself or its contents. Some comprehensive car insurance cover may provide limited trailer cover while attached to your vehicle, but this often excludes contents cover and damage when detached, revealing significant gaps in protection.
A dedicated trailer insurance policy helps provide ease of mind, covering and protecting your trailer whether it’s connected or parked at a job site. Trailer insurance can also provide cover for damage your trailer may cause to other vehicles or other people's cars, ensuring you are protected against liability for third-party property damage. If you want to ensure you’re able to stay on the move and keep your tools handy, work trailer insurance cover will save you from any hassle or extra costs.
Optional benefits and extra cover
Understanding the distinction between CTP car insurance cover and trailer insurance is essential. It’s a common misconception that your trailer is automatically covered under your car insurance policy. Most car insurance policies only cover your vehicle while towing a caravan or trailer, but not the trailer itself or its contents. Some comprehensive car insurance cover may provide limited trailer cover while attached to your vehicle, but this often excludes contents cover and damage when detached, revealing significant gaps in protection.
A dedicated trailer insurance policy helps provide ease of mind, covering and protecting your trailer whether it’s connected or parked at a job site. Trailer insurance can also provide cover for damage your trailer may cause to other vehicles or other people's cars, ensuring you are protected against liability for third-party property damage. If you want to ensure you’re able to stay on the move and keep your tools handy, work trailer insurance cover will save you from any hassle or extra costs.
What are unapproved trailer modifications?
Unapproved modifications to your trailer involve changes that do not comply with legal safety standards or manufacturer specifications. These may include alterations to the structure or towing mechanisms that haven't been officially approved by inspection. If your trailer has any modifications that are not approved, you will not satisfy the trailer insurance cover. It's important to ensure that any modifications made meet the necessary safety and legal requirements to avoid impacting the trailer's roadworthiness and insurance cover.
Trailer modifications can be made by the original manufacturer or by following the manufacturer's instructions. When a modification is made that may affect the trailer's compliance, the manufacturer can provide owners with a letter of compliance that states how the trailer has been modified and that it continues to comply with the applicable vehicle standards.
Simple modifications like adding a spare wheel, storage box, or cage to your box trailer do not usually require certification but it's always important to ensure any changes do not compromise the trailer's compliance with safety standards.
Maintaining accurate records of all modifications and compliance certificates is crucial for trailer insurance purposes and will help in the event of a claim. It is also worth noting that even compliant modifications may affect your trailer's resale value.
What is and isn’t covered?
Accidents and collisions
Cover damage costs for your trailer when it's impacted due to accidental damage, collisions, or other unexpected incidents, which can include damage to people's cars in an accident involving your trailer.
Theft or vandalism
Protection if your trailer or trailer content is stolen or damaged during attempted theft at a job site or storage location.
Natural events
Trailer insurance protects you for covered accidents from storm damage, fire, and other natural events that damage your trailer.
Emergency repairs
Help with the reasonable cost of emergency repairs so you can continue your working without a hitch.
Trailer replacement
If your trailer is written off, cover may include trailer replacement or new replacement options depending on your policy schedule.
Legal Liability
Some trailer insurance policies may provide cover for legal liability or legal costs when your trailer is involved in damage against other people's property or some else's vehicle.
Peace of mind
If your trade relies heavily on your vehicle and trailer being on the road, talk to us about getting the right cover in place for your peace of mind today. For more info, please refer to our trailer insurance FAQs or request a trailer insurance quote below.
Why use Tradesure?
Frequently Asked Questions
Get Covered Now
Don't wait for the unexpected to happen. Reach out to us today to safeguard you and your business against unforeseen accidents and liabilities.