“Any vehicle, special or not, suitable for driving on the earth’s surface and powered by a motor, including mopeds, as well as trailers and catering trailer insurance uk, whether or not attached, are considered motor vehicles.”
This definition included in the Regulation of compulsory civil liability insurance in the circulation of motor vehicles explains
why car trailers must have civil liability insurance like other motor vehicles, even if it is a non-self-propelled vehicles.
It does not matter if these car trailers use to transport a bicycle,
to load suitcases or if it is a caravan for getaways and vacations:
all trailers and semi-trailers must circulate with civil liability insurance
that covers personal damage and/or materials that may cause third parties.
There is no doubt that your car trailer must have insurance.
The weight of the car trailer is what will tell you if you need specific insurance for the trailer
or if you can add it to the insurance policy that
protects the car to which you are going to hitch it.
If your trailer weighs less than 750 kilograms.
You do not need to subscribe to trailer insurance with a weight of less than 750 kilos -light trailer-.
Most car insurance, even the most basic and third-party policies, include trailer and caravan insurance. This will save you trouble in case you have an accident involving the trailer.
If you are worried that the use of a trailer will increase the price of your insurance, you can be calm and declare the existence of the trailer to the insurer,
in most cases, it is not an element that increases the premium to be paid.
Civil liability -damage to third parties- is the essential coverage that your car trailer benefits from -weighing less than 750 kilos-, included in your insurance. However, although there are exceptions and differences between insurers,
in general, the car trailer included in insurance, for example, in comprehensive insurance, does not benefit from other coverage such as broken windows or theft.
Trailers weighing more than 750 kilograms
Large car trailers that exceed 750 kilos –heavy trailers-, must have their own specific insurance that covers their needs and offers specific and efficient protection in each case.
Heavy trailer insurance
Heavy trailer insurance is not as prevalent as car insurance. Keep in mind that you may not find many insurance companies with a wide variety of specific catering trailer insurance uk, as they are rare.
In many cases, the most recommendable, simple and fast thing is to consult your case with the insurer where you have the car to which you are going to hitch the trailer. The chances of them insuring your heavy trailer are higher.
Your car trailer needs food trailer insurance to circulate, there is no doubt unless you want to commit an infraction and risk being fined.
If it is a light trailer, adding it to the policy of the car you hook
it up to is enough; while, if you have a heavy trailer,
you will have to look for and subscribe to a specific policy
that includes both the civil liability of your hitch and other coverage of your interest.
Do not trust the experiences or statements of others in the event that you have a light car trailer,
check that your car insurance does indeed include, at least,
civil liability coverage for trailers and caravans and do not forget
to inform your insurance company that the insured car will drive with a trailer.
