Did you know that vehicles towing a trailer or caravan are involved in around 300 road accidents each year.
These figures put forward by Road Safety remind us of the importance of respecting safety rules.
But also to insure your trailer or caravan in order to be protected in the event of a disaster.
Find out the rules regarding trailer or caravan insurance.
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Is it compulsory to insure a trailer or caravan?
Under the law, it is obligatory to insure any land-based motor vehicle with at least civil liability coverage.
This coverage provides coverage for bodily injury and property damage caused to others with your vehicle.
In other words, motorists using a trailer or caravan must adapt their car insurance contract accordingly.
Two options are available to you: either you extend your current car insurance contract, or you take out specific trailer or caravan insurance.
This depends above all on the total authorized weight (GVW) of your towed vehicle.
What insurance for a trailer or caravan?
Depending on the total authorized weight of your caravan trailer, the insurance rules vary:
GVW less than 500 kg: it is not necessary to take out specific trailer/caravan insurance.
All you need to do is inform your insurer to add an additional note to your car contract: an amendment is then established.
GVW between 500 kg and 750 kg: here too, an amendment to your car contract is sufficient.
However, it is mandatory to register your trailer or caravan and establish a registration document
GVW greater than 750 kg: you are required to take out specific trailer or caravan insurance, independent of that of the towing vehicle.
Note that in certain cases, a special license is required to drive a towed vehicle with a GVWR of more than 750 kg.
If the car + caravan/trailer combination exceeds 4.25 tonnes, the BE license is required.
Point of attention: if civil liability is the minimum legal coverage, pay attention to the important information.
In fact, insurance for trailers and caravans must work even when the element is stationary or unhitched.
So be vigilant and don't hesitate to extend your car insurance to benefit from complete protection.
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Is there specific trailer and caravan insurance?
Most insurers offer specific contracts to insure your trailer or caravan.
Particularly for towed vehicles with a GVW greater than 750 kg.
However, it is also possible to extend your car's auto insurance to effectively cover your caravan or trailer.
For example, you can choose optional auto insurance guarantees such as auto fire guarantee, all damage guarantee or even a guarantee against the theft of accessories and valuable objects.
We advise you to find out about the guarantees included in your car contract and then modify your level of coverage.
Do not hesitate to obtain quotes from other insurers to compare the different offers available.
The best solution: use our online comparator and obtain several personalized trailer and caravan insurance quotes in just a few clicks.
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