Cost Overview Trailer Insurance 750 kg: How to Calculate Correctly
26 Apr 2025
11
Minutes
Katrin Straub
CEO at nextsure
Planning to acquire a 750 kg trailer and wondering about the insurance cost? Trailer insurance is often cheaper than you might think, starting at around 15 euros per year for liability coverage. Find out everything you need to know about costs, obligations, and optimal protection for your trailer here.
The topic in brief and concise terms
The liability insurance for a 750 kg trailer is available from as little as 15 to 50 euros per year and is legally required.
There are no no-claims classes for trailer insurance; the premium is always calculated at 100 percent, but it does not increase after a claim either.
Third-party, fire and theft insurance (from around 75 euros/year) and comprehensive insurance (from around 100 euros/year) offer extended protection that is especially worthwhile for newer or more valuable trailers.
Quick Facts: Trailer Costs at a Glance
Liability insurance for a 750 kg trailer often costs only 15 to 50 euros per year.
The vehicle tax for this trailer is around 29 euros per year.
Since 2002, a separate trailer insurance has been legally required in Germany, which covers damage to third parties.
Without this protection, you face significant financial consequences in the event of damage. We will highlight the legal minimum requirements in the next section.
Liability: Understanding the legal minimum requirement
Motor vehicle liability insurance is essential for any trailer requiring registration, even those up to 750 kg. It covers personal, property, and financial damages.
Third parties benefit from a coverage amount often up to 100 million euros.
The cost for this is relatively low at 15 to 50 euros annually. This insurance applies even when the trailer is detached.
A parked trailer that rolls away and causes damage is thus covered.
Motor vehicle liability insurance provides basic coverage. The exact premium depends on factors we will explore in more detail in the next section.
Cost factors: What influences the price of your trailer insurance
Several factors determine the exact premium for your 750 kg trailer insurance. The chosen scope of insurance plays the largest role.
Liability, partial cover or comprehensive cover significantly influence the costs. The new value of the trailer is also relevant.
This is particularly crucial for comprehensive insurance. The type of construction and the usage (private/commercial) also affect the price.
Some insurers also consider the registration district of the owner. Unlike car insurance, there are no no-claims classes.
The premium is always calculated at 100 percent. These factors lead to a price range that you should compare. Partial cover protection is often a sensible addition.
Third-party, fire and theft insurance: Sensible additional protection for your trailer
A partial comprehensive insurance offers extended coverage beyond liability. It covers damages from theft, fire, and explosion.
Natural damages, such as storms, hail, or lightning strikes, are often included. The costs start at around 75 euros annually.
The following damages are frequently covered by partial comprehensive insurance:
Theft of the entire trailer or fixed components.
Fire and explosion, regardless of the cause.
Damage from storms with wind speeds of at least eight.
Hail damage to superstructures and tarpaulins.
Glass breakage in lighting fixtures.
Short circuit damage to wiring.
Collision with game animals (depending on the contract).
A partial comprehensive insurance is particularly recommended if your trailer is of significant value.
It also offers protection if the trailer is frequently parked outdoors. It safeguards you from financial losses.
Weigh the benefits against the additional costs before deciding on comprehensive insurance.
Comprehensive insurance: The all-round protection for valuable trailers
Comprehensive insurance offers the most extensive protection for your 750 kg trailer. It includes all the benefits of partial cover.
Additionally, it covers accident damage to your own trailer, even if you are at fault.
Intentional damage caused by others (vandalism) is also insured under this policy.
The cost of comprehensive insurance starts at around 100 euros per year.
This protection is especially worth considering for new or very high-quality trailers.
The decision depends on the need for security and the value of the trailer. Repairs or replacements can quickly become expensive.
A car insurance offers similar gradations. Next, we will look at exceptions to the insurance obligation.
Exceptions and Special Cases: When is a Separate Insurance Not Necessary?
Although the mandatory insurance for trailers has been standard since 2002, there are exceptions.
Certain sports trailers, such as horse trailers or boat trailers, may be insured through the towing vehicle.
Agricultural and forestry trailers with green license plates are often exempt. They do not travel faster than 25 km/h.
No compulsory insurance is required for these registration-free trailers. However, voluntary coverage is still advisable.
Damage caused by a parked, uninsured trailer can otherwise lead to significant costs.
Clarify the status of your trailer precisely to avoid gaps. A look at the General Conditions for Motor Vehicle Insurance can help.
Now we consider the details of the legal foundations.
Expert Depth: Legal Principles and Sections
Die Versicherungspflicht für Anhänger ist im Pflichtversicherungsgesetz (PflVG) verankert, konkret in § eins PflVG.
This regulation was introduced in 2002 to clarify liability issues in accidents involving trailers.
Previously, trailers were often insured through the towing vehicle. This led to problems in settling claims.
The current regulation ensures that liability cover exists for every trailer. The minimum coverage amounts are legally defined.
For instance, they amount to 7.5 million euros for personal injuries.
Our expert tip: Check your insurance sum for market suitability. Many providers offer a flat rate of 100 million euros.
The obligation for trailer insurance is indisputable. Also, make sure of the correct registration and the eVB number.
Practical Tips: Registration, eVB Number and No-Claims Classes
Conclusion and Recommendations: Find the Optimal Protection
More useful links
Bundesministerium der Justiz provides the full text of the Compulsory Insurance Act (PflVG), which regulates the statutory requirement for trailer insurance.
Gesamtverband der Deutschen Versicherungswirtschaft (GDV) offers comprehensive information about trailer insurance, its legal foundations, and the various scopes of cover.
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) provides general information on insurances and consumer protection within the insurance sector.
Allgemeiner Deutscher Automobil-Club (ADAC) offers detailed guides and comparisons on trailer insurance, including practical tips on costs and benefits.
FAQ
What is the minimum cost of insurance for a 750 kg trailer?
The basic liability insurance for a 750 kg trailer can be obtained for as little as 15 to 20 euros per year. The exact costs depend on the provider and other factors.
What documents do I need for trailer insurance?
To conclude a trailer insurance, you usually need the vehicle documents (registration certificate part I and II) and your personal data. An eVB number from the insurance company is then required for registration.
Is my trailer covered through the towing vehicle?
No, since a change in the law in 2002, most trailers in Germany require their own separate motor liability insurance. The insurance of the towing vehicle is not sufficient.
Is comprehensive insurance worth it for a 750 kg trailer?
Comprehensive insurance is particularly worthwhile for new or very valuable trailers weighing 750 kg. In addition to the partial coverage services, it also covers self-inflicted damage and vandalism. Costs start at around 100 euros annually.
What happens if I use my uninsured trailer?
Driving without the mandatory liability insurance for your trailer is a criminal offense and can result in fines or even imprisonment. Furthermore, in the event of damage, you are liable with your personal assets without limit.
Does the trailer insurance also cover damages abroad?
The German motor vehicle liability insurance for trailers generally applies within the geographical boundaries of Europe as well as the non-European territories that fall under the jurisdiction of the European Union. For more precise information and travel beyond this area, you should check your insurance terms or contact your insurer (keyword: Green Card).
