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Trailer Insurance

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In the UK, trailer insurance is standalone cover that protects your trailer and its contents from various risks, including accidents, theft, and fire. While your car insurance might offer some level of coverage for third-party damage caused by your trailer, trailer insurance provides more comprehensive protection for the trailer itself. 
 
Here’s a more detailed breakdown:
  • Standalone Cover:
    Trailer insurance is a separate policy from your car insurance, offering specific protection for your trailer. 
     
  • Comprehensive Coverage:
    It can cover damage to the trailer, its contents, and even the cost of towing it to and from repairs. 
     
  • Third-Party Liability:
    Some policies also include third-party liability, covering damage or injuries you cause to others while towing. 
     
  • Types of Coverage:
    You can find basic, comprehensive, or specialised coverage, depending on your needs. 
     
  • New for Old Cover
    Some policies offer “new for old” cover for newer trailers, meaning you might receive replacement at the current value without deductions for age or wear and tear. 
     
  • European Use
    Many policies include coverage for using the trailer in Europe, often for a set period. 
     
  • Security Discounts:
    If your trailer has a security device like a Thatcham-approved tracker, you may be eligible for insurance discounts

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