Safe on the road: Your trailer insurance
Comprehensive protection for your trailer. Find the right trailer insurance at nextsure now – digital, fast, and tailored to your needs. Secure private and commercial trailers optimally.
Flexible Tariffs
Fast Online Completion
Comprehensive Protection
Why trailer insurance is indispensable
Statutory Duty (partial)
Protection against Theft & Damage
Accident Insurance
For various types of trailers
What damages are covered by trailer insurance?
A trailer insurance policy is specialized protection that shields you from the financial impact of damages to or caused by your trailer. Depending on the chosen coverage – third-party liability, partial coverage, or fully comprehensive – the scope of benefits varies. The **third-party liability insurance** for trailers is legally required in Germany as soon as the trailer has its own green registration plate and is not tax-exempt (e.g., sports trailers) or when it is no longer connected to the towing vehicle and causes damage. It covers damages you inflict on others with your trailer. The **partial coverage insurance** for trailers offers extended protection and covers costs for damages due to theft, fire, explosion, storm, hail, flooding, collision with wildlife, and glass breakage. For even more comprehensive protection, the **fully comprehensive insurance** is recommended, additionally covering damages to your own trailer from self-inflicted accidents or vandalism. At nextsure, we analyze your individual needs to recommend the optimal coverage for your specific type of trailer and its usage – from private car trailers to horse trailers to sales trailers.
OPTIMALLY INSURE TRAILERS
Our services for your safety
Liability Insurance
Legally required basic protection against third-party damages.
Partial cover
Protection against theft, fire, storm, and wildlife accidents.
Comprehensive insurance
Comprehensive protection, including self-inflicted damage and vandalism.
Caravan
Special rates for your mobile home, optionally with inventory protection.
Horse trailer
Safe transport for your animals with tailored protection.
Commercial trailer
Custom solutions for the professional use of your trailer.
Sport trailer
Insurance for boat trailers, motorcycle trailers, and other sports equipment trailers.
Online Degree
Quick, digital, and hassle-free access to your trailer insurance.
Claims Service
Personal care and prompt settlement in case of an emergency by our experts.
Tailored protection for every trailer
Ready for worry-free rides?
Calculate trailer insurance now!
Third-party, fire and theft or fully comprehensive insurance for the trailer: What makes sense?
The decision between third-party fire and theft and comprehensive insurance for your trailer depends primarily on the value, age, and usage of your trailer. **Third-party fire and theft insurance** provides solid basic cover against unforeseen events such as theft, fire, or natural disasters. It is particularly recommended for trailers of moderate value or when the financial risk of a total loss is manageable. **Comprehensive insurance** offers the most extensive protection, including self-inflicted accident damage and vandalism. This comprehensive protection is especially useful for new or highly valuable trailers (e.g., specialised caravans, trailers with expensive fittings, high-quality boat trailers). Comprehensive cover may also be required if your trailer is financed or leased. Consider the frequency of use and storage conditions when making your decision. nextsure offers transparent advice on which insurance type is the most economical and safest solution for your trailer insurance, ensuring you can travel worry-free.
Properly Insure Your Trailer: What You Need to Consider
To optimally insure your trailer, there are some important aspects to consider. Firstly, the correct specification of the **trailer type** (e.g. car trailer, caravan, horse trailer, boat trailer, sales trailer) and its **permissible total weight** is crucial, as this influences the tariff design. Check whether a separate trailer insurance is necessary. For trailers requiring registration with their own number plates, a separate liability insurance is mandatory. Pay attention to the **coverage amount** in the liability insurance, which should be sufficiently high to cover even larger damages. In the case of comprehensive insurance, the **deductible** and the exact **scope of cover** (e.g. protection against gross negligence, new value compensation) are important criteria. Also, check whether accessories or special constructions are insured or need to be declared separately. At nextsure, we help you clarify all relevant points and find a trailer insurance that is exactly tailored to your requirements.
Cost of Trailer Insurance: Factors and Saving Tips
The cost of trailer insurance is influenced by various factors. These primarily include the **type of trailer** (e.g., a simple cargo trailer is cheaper than a caravan), its **value or purchase price** (relevant for comprehensive insurance), the **permissible total weight**, and the chosen **insurance coverage** (liability, partial comprehensive, full comprehensive). The agreed **deductible** in case of a claim also plays a role: a higher deductible usually leads to lower premiums. Other factors can include the **regional class** and individual characteristics of the policyholder. To save on trailer insurance costs, it is advisable to compare tariffs carefully. Pay attention not only to the price but also to the value for money. Consider what protection you really need – not every trailer requires comprehensive insurance. Use our digital comparison tool at nextsure to quickly and easily find suitable offers for your trailer insurance and compare tariffs transparently. Insurers often offer discounts for annual payments or in combination with other insurances.
Special Case Caravan Insurance: Features and Protection
Insuring a caravan is a special case within trailer insurance and requires particular attention. In addition to the mandatory **liability insurance** for registered caravans, a **comprehensive insurance** (partial or fully comprehensive) is highly recommended to protect the often high value of the vehicle and its fittings. For caravans, protection of the **contents** and permanently installed parts is specific. Check whether your home contents insurance covers the contents while travelling or whether a special camping insurance or an extension of the caravan comprehensive insurance is necessary. Important coverage components may include damage from hail, storm, theft (including awnings or contents), vandalism, and water damage. For permanent campers, it is also important to clarify whether the protection applies to the pitch and whether a separate pitch insurance is advisable. nextsure offers specialised tariffs for caravan insurance that take these particularities into account and ensure comprehensive protection for your mobile home, whether on the road or at the campsite.
Digitale
Contract Management
Expert
Consultation
Tailored
Niche products
Trailer insurance for commercial use: What's applicable?
In the commercial use of trailers, specific insurance requirements apply. The **trailer liability insurance** is fundamental here as well, covering damage to third parties caused by the commercially used trailer. However, the insurance cover often needs to be adapted to the type of commercial activity. For instance, transport trailers, sales trailers, and construction machinery trailers may present different risks and therefore have distinct coverage requirements. A **comprehensive insurance** (partially or fully comprehensive) is particularly important for commercial trailers due to their often high value and intensive use, to minimize financial losses from damage or theft. Ensure that the policy also covers damage occurring during loading and unloading, or whether a special **cargo insurance** for the goods is required. At nextsure, we understand the specific needs of businesses and offer tailored solutions for trailer insurance in the commercial sector, which meet operational requirements and help to minimize downtime.
Incident with the trailer: How to act correctly
In the event of damage to your trailer, correct behaviour is crucial for smooth processing with your insurance. **First, secure the accident site** and provide first aid if necessary. Always call the **police** in the case of personal injury or significant property damage. Document the damage as thoroughly as possible: take **photos** of the vehicles involved, the accident site, and the damage incurred. Note down the **contact details** of the other parties involved and witnesses, as well as their license plate numbers and insurance details. Complete a European accident report if possible. Report the damage **immediately** to your trailer insurance at nextsure. Have your insurance policy number ready. Do not make any admissions of fault at the scene. Our experts at nextsure will assist you with the damage report and clarify further steps with you to ensure a swift and fair settlement.
Unregister or decommission a trailer: What happens to the insurance?
If you deregister your trailer or temporarily decommission it, this has a direct impact on your trailer insurance. With the official deregistration at the registration office, the insurance obligation for liability usually also ends. Inform your insurer immediately about the deregistration. During the period of decommissioning, a so-called **dormant insurance** can apply. This often offers either free or significantly reduced premium protection, usually within the scope of partial cover (e.g., against theft or fire damage at the storage location), provided the contract had a certain minimum term. The exact conditions of the dormant insurance vary depending on the insurer and tariff. It is important that the trailer is not used or parked in public traffic areas during decommissioning. Should you wish to register the trailer again later, you will need a new electronic insurance confirmation (eVB number). nextsure is happy to advise you on the options and the best course of action if you wish to deregister or decommission your trailer, so that your insurance coverage can be optimally adjusted.
Is trailer insurance mandatory?
The International Motor Insurance Card (IVK) serves as proof of your motor vehicle liability insurance abroad. For trailers, the situation is somewhat more complex. Within the EU and EEA states, the license plate agreement generally applies, meaning the official license plate of the towing vehicle or the trailer (if separately insurable with its own license plate) serves as proof of insurance. In some countries outside the EU/EEA or for certain types of trailers, however, a separate Green Card for the trailer may be required or at least strongly recommended to avoid issues during checks or in the event of a claim. This is particularly true for countries that have not signed the license plate agreement (e.g., Albania, Turkey). Before you travel, check with your insurer or a motoring club about the specific requirements of your destination country. nextsure will issue the Green Insurance Card for your insured trailer if necessary, ensuring you can travel abroad with peace of mind and demonstrate your insurance coverage.
