Trailer insurance cost overview 750 kg: How to calculate correctly
26.04.25
6
Minutes
Katrin Straub
Managing Director at nextsure
Are you planning to buy a 750 kg trailer and wondering how much the insurance costs? Trailer insurance is often cheaper than expected, with third-party liability cover starting at around €15 per year. Find out everything you need to know here about costs, obligations and the best protection for your trailer.
The topic in brief and concise terms
Liability insurance for a 750 kg trailer is already available from 15 to 50 euros per year and is legally required.
There are no no-claims bonus classes for trailer insurance; the premium is always calculated at 100 per cent, but it does not increase after a claim either.
Partial comprehensive cover (from around €75 per year) and comprehensive cover (from around €100 per year) offer extended protection, which is particularly worthwhile for newer or more valuable trailers.
Quick Facts: Trailer costs at a glance
Third-party liability insurance for a 750 kg trailer often costs only €15 to €50 per year.
Vehicle tax for this trailer is around €29 per year.
Since 2002, separate trailer insurance has been legally required in Germany. This covers third-party damage.
Without this cover, you face serious financial consequences in the event of a claim. We look at the statutory minimum requirement in the next section.
Liability insurance: understanding the legal minimum requirement
Motor vehicle liability insurance is essential for every trailer that requires registration, including those up to 750 kg. It covers personal injury, property damage and financial losses.
Third parties benefit from a sum insured of often €100 million.
The cost for this is low, at €15 to €50 per year. This insurance also applies when the trailer is unhitched.
A parked trailer that rolls away and causes damage is therefore covered.
A motor vehicle liability insurance policy provides basic cover. The exact premium depends on factors that we will look at 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 cover plays the biggest role.
Third-party liability, partial cover or comprehensive cover have a significant impact on the cost. The new value of the trailer is also relevant.
This is particularly decisive for comprehensive insurance policies. The body type and the use (private/commercial) also affect the price.
Some insurers also take the policyholder’s registration district into account. Unlike motor insurance, there are no no-claims classes.
The premium is always calculated at 100 per cent. These factors lead to a price range that you should compare. Partial cover protection is often a useful addition.
Partial cover: sensible additional protection for your trailer
A partial comprehensive insurance policy offers extended protection beyond liability cover. It covers damage caused by theft, fire and explosion.
Natural damage such as storm, hail or lightning strike is also often included. Costs start at around 75 euros per year.
The following types of damage are often covered by partial comprehensive insurance:
Theft of the entire trailer or permanently installed parts.
Fire and explosion, regardless of the cause.
Damage caused by storms from wind force eight.
Hail damage to bodywork and tarpaulin.
Glass breakage on lighting equipment.
Short-circuit damage to the wiring.
Collision with game animals (depending on the policy).
A partial comprehensive policy is particularly recommended if your trailer is of considerable value.
It also protects you if the trailer is often parked outdoors. It helps protect you from financial losses.
Weigh up the added value against the additional costs before deciding on a fully comprehensive insurance policy.
Fully comprehensive cover: all-round protection for valuable trailers
Comprehensive cover offers the most extensive protection for your 750 kg trailer. It includes all the benefits of third-party, fire and theft cover.
In addition, it covers accidental damage to your own trailer caused by you.
It also covers wilful damage by third parties (vandalism).
The cost of comprehensive cover starts at around 100 euros per year.
This protection is particularly worth considering for new or very high-value trailers.
The decision depends on your need for security and the value of the trailer. Repairs or a replacement can quickly become expensive.
A car insurance policy offers similar levels of cover. Next, we will look at the exceptions to the insurance requirement.
Exceptions and special cases: When is a separate insurance policy not required?
Although compulsory insurance for trailers has been the rule since 2002, there are exceptions.
Certain leisure trailers, such as horse trailers or boat trailers, can be covered through the towing vehicle.
Agricultural and forestry trailers with green plates are also often exempt. They do not travel faster than 25 km/h.
No compulsory insurance is required for these registration-exempt trailers. However, voluntary cover is still advisable.
Otherwise, damage caused by an uninsured parked trailer can lead to considerable costs.
Check the status of your trailer carefully to avoid gaps. A look at the General Terms and Conditions for Motor Vehicle Insurance can help.
Now let us look at the details of the statutory provisions.
The requirement for insurance for trailers is set out in the Compulsory Insurance Act (PflVG), specifically in Section 1 PflVG.
This provision was introduced in 2002 to regulate liability issues more clearly in accidents involving trailers.
Previously, trailers were often insured under the towing vehicle. This led to problems when claims were settled.
The current rule ensures that every trailer has third-party liability cover. The minimum cover amounts are set by law.
For example, they amount to EUR 7.5 million for personal injury.
Our expert tip: Check your sum insured for market standard. Many providers offer a flat EUR 100 million.
The obligation to insure trailers is absolute. Also ensure that the registration is correct and that you have the eVB number.
Practical tips: registration, eVB number and no-claims classes
For the registration of your 750 kg trailer, you need an electronic insurance confirmation (eVB number).
You receive this from the insurer as proof of existing third-party liability insurance. Without an eVB number, registration is not possible.
An important difference compared with Car & Mobility Insurance: trailers do not have no-claims classes.
This means the premium is always calculated at 100 per cent. It does not increase after a claim.
This can be an advantage. An accident involving the trailer does not lead to more expensive insurance.
Please note the following points when registering:
Request an eVB number from the insurer.
Have registration certificate parts one and two (vehicle registration document and vehicle logbook) ready.
Present a valid identity card or passport with proof of registration.
Provide proof of a valid general inspection (HU), if the trailer is not new.
SEPA direct debit mandate for vehicle tax (approx. 29 euros for 750 kg).
These documents are essential for a smooth registration process. This means you are well prepared for the purchase and insurance of your trailer.
Conclusion and recommendation: Finding the optimal protection
The cost of insurance for a 750 kg trailer is manageable. Liability insurance starts at around 15 euros per year.
Partial comprehensive cover is available from around 75 euros, and fully comprehensive cover from around 100 euros per year.
Weigh up the value of your trailer and your personal need for security. This will help you choose the right comprehensive cover.
Compare offers from different insurers, as premiums and benefits can vary.
Make sure the liability cover has a sufficient sum insured, ideally 100 million euros.
Remember that separate insurance has been compulsory for most trailers since 2002.
With this information, you can make an informed decision. Protect your trailer optimally.
nextsure supports you in choosing the right trailer insurance. Request your individual risk analysis now.
Have your insurance situation checked free of charge and receive concrete suggestions for improvement.
More useful links
Federal Ministry of Justice provides the full text of the Compulsory Insurance Act (PflVG), which regulates the statutory requirement for trailer insurance.
German Insurance Association (GDV) provides comprehensive information on trailer insurance, its legal basis and the various levels of cover.
Federal Financial Supervisory Authority (BaFin) provides general information on insurance and consumer protection in the insurance sector.
General German Automobile Club (ADAC) offers detailed guides and comparisons on trailer insurance, including practical tips on costs and benefits.
FAQ
How much does insurance for a 750 kg trailer cost at minimum?
Basic third-party liability insurance for a 750 kg trailer can already be taken out from around 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 take out trailer insurance, you usually need the vehicle documents (registration certificate parts I and II) and your personal details. For registration, an eVB number from the insurer is then required.
Is my trailer also insured through the towing vehicle?
No, since a change in the law in 2002, most trailers in Germany require their own separate motor vehicle liability insurance. The towing vehicle’s insurance is not sufficient.
Is comprehensive insurance worth it for a 750 kg trailer?
Comprehensive insurance is particularly worthwhile for new or very valuable 750 kg trailers. In addition to third-party fire and theft cover, it also covers self-inflicted damage and vandalism. Costs start at around 100 euros per year.
What happens if I use my uninsured trailer?
Driving without the compulsory third-party liability insurance for your trailer is a criminal offence and may be punishable by fines or even imprisonment. In addition, in the event of a claim, you are liable without limit with your personal assets.
Does the trailer insurance also cover damage abroad?
The German motor third-party liability insurance for trailers generally applies within the geographical boundaries of Europe and the non-European territories that fall within the scope of the European Union. For more detailed information and travel outside this area, please check your insurance conditions or contact your insurer (keyword: Green Card).
