Compare trailer insurance

Insurance can protect your trailer from accidental damage, theft and fire damage. Compare your options.

Car Insurance

Compare trailer insurance

1 - 15 of 26
Product AUFCI-VAN Accidental Damage Flood New Vehicle Replacement Agreed or Market Value Annex cover Choice of Repairer
Market
Optional
No
RAC Caravan & Trailer Insurance
RAC logo
Agreed
No
RACT Caravan and Trailer
RACT logo
Both
No
National Seniors Caravan & Trailer Insurance
National Seniors Caravan Insurance logo
Agreed
Not Stated
Both
No
Agreed
No
No
Agreed
No
No
COTA Trailer Insurance
COTA logo
Agreed
Suncorp Trailers and Horse Floats
Suncorp logo
Market
GIO Trailers and Horse Floats
GIO logo
Market
RACQ Trailer Insurance
RACQ logo
Agreed
Newcastle Permanent Trailer Insurance
Newcastle Permanent logo
Agreed
RAC Trailer Insurance
RAC logo
Agreed
NAB Trailer Insurance
NAB logo
Agreed
Club 4x4 Camper Trailer
Club 4x4 logo
Both
loading

What is trailer insurance?

Trailer insurance can cover your trailer for accidental losses and damages. Depending on the level of cover you select, this can include cover for:

  • Legal liability, usually from $20 million upwards
  • Accidental damage
  • Storms
  • Fire
  • Theft
  • much more.

Do you need to insure a trailer in Australia?

Trailer insurance isn't a legal requirement in Australia but it's worth considering.

If you're wondering what kind of mandatory insurance is needed for trailers, this is covered off by your car's compulsory third party (CTP) policy. CTP insures the car and the trailer attached to it.

Other, non-mandatory trailer insurance is worth considering because CTP doesn't cover you for any damage your trailer incurs or causes — CTP only covers you for personal injury liability. This means CTP won't cover you for any damages your trailer causes to other people's property and it also won't cover your trailer for any damages you incur from other people. Here's a breakdown of the types of trailer insurance you might like to consider.

Third party

Third party property damage

Covers damage to other people's property that you caused with your trailer.

third party, fire and theft

Third party, fire and theft

Covers damage your trailer causes to other people's property, as well as cover for damages arising from fire or theft. It can cover your trailer for up to an agreed amount if it's stolen.

Comprehensive car insurance

Comprehensive

Covers all of the above, plus a wide range of additional benefits including weather damage, accidental damage and vandalism.

Trailer insurance types, compared

Here's a more detailed breakdown of what you could be covered for under each type of trailer insurance policy. Remember, each provider's exact benefits will vary so this should be used as a guide only. Always read the product disclosure statement (PDS).

FeatureThird Party PropertyFire & TheftComprehensive
Accidental damage
  • No
  • No
  • Yes
Storm or flood
  • No
  • No
  • Yes
Fire
  • No
  • Yes
  • Yes
Theft
  • No
  • Yes
  • Yes
Earthquake
  • No
  • Yes
  • Yes
Emergency expenses
  • No
  • Yes
  • Yes
Towing costs
  • No
  • Yes
  • Yes
Contents
  • No
  • Yes
  • Yes
Legal liability
  • Yes
  • Yes
  • Yes

What optional extras are available?

What's available as an optional extra will depend on the provider but typically, these features can be added to your policy.

  • Annex cover: This covers your caravan annex for damage.
  • Burnout of electric motors: This can cover the costs of repairing and replacing burnt out electric motors that are permanently fitted to the trailer.
  • Business items: If you carry business items in your trailer, this can provide cover for those items up to a certain amount. Usually around $1,000.
  • Spoilage of food: If your trailer was carrying food, you can covered for a certain amount to replace the groceries lost.

How much does trailer insurance cost?

The cost of trailer insurance is impacted by a broad range of factors, including:

  • The age and value of the trailer
  • Your age and driving experience
  • Where the trailer is usually stored
  • The level of cover you choose
  • How often you're driving with the trailer

The only way to get an accurate picture of trailer insurance pricing is to request a quote from a provider. We suggest requesting quotes from multiple brands and comparing policies and prices to find the best option for you.

Nicola Middlemiss's headshot

"Always compare multiple policies, taking benefits and pricing into account. If your preferred policy is more expensive than other options, call the insurer and ask if they can match a quote from another provider, or at least lower theirs. Insurers sometimes have some wiggle room on pricing, so it's always worth asking."

Senior writer

FAQs

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 240 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

More guides on Finder

  • Allianz Caravan Insurance

    Our review of Allianz Caravan Insurance.

  • RAA Caravan Insurance

    Find out if RAA Caravan Insurance is right for you with our quick review.

  • APIA Caravan Insurance Review

    Find out if APIA Caravan Insurance is right for you.

  • GIO Caravan Insurance

    Find out if GIO Caravan Insurance is right for you with our quick review.

  • NRMA Caravan Insurance

    Learn more about NRMA Caravan Insurance and see if they're right for you.

  • Youi caravan and trailer insurance review

    A breakdown of Youi's caravan insurance policies.

  • RACV Caravan Insurance

    Looking for caravan insurance that offers you more? Check out the advantages of insuring through Victoria’s biggest club. RACV caravan insurance offers two great levels of cover, competitive premiums and a range of optional benefits and you can read the full story here.

  • RACQ Caravan Insurance Review

    Whether touring or at home, caravan insurance is a must-have and RACQ Caravan Comprehensive Insurance covers you against practically any eventuality. Find out here about the protection it provides and the advantages of belonging to Queensland’s largest club.

  • Motorhome insurance Australia

    What it is, what it can cover and where you can get it.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

2 Responses

    Default Gravatar
    JenniferFebruary 4, 2018

    Hi
    I would like an insurance quote on a mobile food trailer. It is a 2016 model Kings trailer. 3.3 meters long x 2.2 meters high x 1.8 meters wide. It is in as new condition and has some equipment inside a fridge, rangehood cooker etc. I would like to insure it for $15000. Can you help me.

      AvatarFinder
      JoshuaFebruary 11, 2018Finder

      Hi Jennifer,

      Thanks for getting in touch with finder. Just to confirm that we’re not offering insurance ourselves as we are a comparison website and general information service.

      Looks like we only have one brand listed above for your option for a trailer insurance. I would suggest to go through our guide above on how you can get one. If you like to reconsider, you may check with the brand and discuss your options with them. Please also click on the green button “Get Quote” if you like to see the cost of their policy and see if it’s right for you.

      Cheers,
      Joshua

Go to site