FAQ | Trailer Protector

FAQ

I am hiring a trailer out but do not own it, can I still insure it?
Is immediate cover available?
What is Covered?
How can I pay for my policy?
What if I can’t find my trailer serial number?
What is ‘New for Old’ cover?
What security needs to be fitted to the trailer?
Is my trailer covered whilst being towed?
What value should I insure my trailer for?
My trailer is custom built, can you still cover it?
What if I don’t know the year of manufacture for my trailer?
The trailer may be towed by different drivers, is this ok?
Does cover still apply if I rent my trailer out to someone?
Is short term cover available?
How Much Does It Cost?
Does your policy cover the contents inside the trailer?
How do I make a claim?
How can I make a change to or cancel my policy?
Where can I view more information about the policy?
What can I do if I’m not satisfied with Trailer Protector?

I am hiring a trailer out but do not own it, can I still insure it?

Yes. At Trailer Protector we have an excellent facility for insuring trailers that are hired out on a short or long term basis. For further information please call us on 0845 519 9261 (Mon to Fri, 9am to 5.30pm) or visit the trailer hire insurance page.

Is immediate cover available?

Yes, immediate cover is available. You can obtain an Instant Trailer Insurance Cover and cover on our website through the ‘Request Quote’ page. Alternatively, if you wish to speak with an advisor you can call us on 0845 519 9261 (Mon to Fri, 9am to 5.30pm).

What is Covered?

Our trailer insurance policy we will insure you in the event of loss and/or damage to your trailer resulting from Accidental Damage, Fire and Theft. If the trailer is stolen and not recovered or totally destroyed within 3 years of manufacture, settlement will be on current value without making a deduction for wear and tear or age of the Trailer, subject to the sum insured stated in the Policy Schedule. The policy also provides cover for Replacement Hire, Public Liability and 30 Days European Use Cover.

How can I pay for my policy?

We offer a choice of easy payment methods in order to pay for your trailer insurance. We can accept various debit and credit cards, ranging from Visa, MasterCard and Maestro to Solo and Visa Electron (Solo and Visa Electron are not accepted if buying online). We also have a direct debit facility available over the telephone subject to the premium meeting our minimum premium threshold. This can be spread over eight monthly instalments subject to an interest charge of 8.5%.

What if I can’t find my trailer serial number?

A trailer serial number acts as a form of identification for your property. Many trailers are similar in appearance therefore it is vital you supply us with the unique serial number to distinguish and identify your trailer. This is normally found on the chassis/frame of the trailer and sometimes on paperwork that accompanies the trailer during purchase. It can often be a mixture of letters and/or numerals. If you cannot find this, or if your trailer does not have one, it is often difficult to provide insurance for.

What is ‘New for Old’ cover?

If your trailer is stolen and not recovered or totally destroyed and is still within 3 years of manufacture, the settlement of your claim will be on current value without making a deduction for wear and tear or age of the Trailer, subject to the sum insured stated in the Policy Schedule.

What security needs to be fitted to the trailer?

It is a condition precedent to liability that the Trailer will be clamped by a wheel clamp or hitch lock when not in use unless being kept in a totally enclosed and secure building that is a permanent substantial structure of brick, stone or timber and has doors kept locked by a minimum of a patent 5-lever lock. When in use, the Trailer must be clamped by a wheel clamp or hitch lock once detached from the towing vehicle.

Is my trailer covered whilst being towed?

Yes, when the trailer is hitched to a vehicle and is being towed, it is insured under the Accidental Damage section of the policy. However, we will not insure the trailer for any ‘third party’ risks, such as damage to any other property and/or vehicle or bodily injury to any person. This will normally be covered by the insurer for the towing vehicle providing they are aware you are using your vehicle for towing purposes.

What value should I insure my trailer for?

You should insure your trailer for its current market value – the full cost to replace it like-for-like. Providing the trailer is still within 3 years of manufacture, the settlement of your claim will be on current value without making a deduction for wear and tear, subject to the sum insured as stated in the policy schedule. Be careful not to under-insure the trailer as this may lead to complications if a claim is made.

My trailer is custom built, can you still cover it?

Usually yes, providing full disclosure is made in respect of the required trailer details. This includes providing a full make, model, serial number and year of manufacture.

What if I don’t know the year of manufacture for my trailer?

As this forms an essential part of the underwriting criteria for our trailer insurance product it may prove difficult for us to offer insurance. However please contact our office where we may be able to assist.

The trailer may be towed by different drivers, is this ok?

Providing the trailer is not being rented out (unless in an emergency) there is no stipulation about the drivers of the towing vehicle providing the trailer insurance policy terms and conditions are still complied with.

Does cover still apply if I rent my trailer out to someone?

Regretfully our trailer insurance policy will not provide cover if the trailer is being rented to someone else, unless in an emergency.

Is short term cover available?

At present we are only able to offer a 12-month policy, however we are continually looking at new ways to meet our customer’s requirements.

How Much Does It Cost?

Our trailer insurance starts from as little as £89.00 a year. The insurance premium you pay will depend on the type of risk we are insuring, as per the underwriting criteria required within our quotation proposal form.

Does your policy cover the contents inside the trailer?

Unfortunately not. Our trailer insurance policy will solely cover the trailer only.

How do I make a claim?

If you need to discuss making a claim against your insurance policy please refer to the claims procedure as set out at the back of your policy wording.

How can I make a change to or cancel my policy?

If you wish to cancel or change any aspect of your insurance policy you will need to place your request in writing. This can either be done by filling in our online form from the ‘Existing Customers’ page or alternatively our contact details can be found on the ‘Contact Us’ page on this website.

Where can I view more information about the policy?

This can be found in the ‘Product Details’ page on this website.

What can I do if I’m not satisfied with Trailer Protector?

If you are not wholly satisfied with the cover provided by your policy or the service provided by Trailer Protector you have the right to cancel your policy. Please refer to the back of your policy wording for further details of what to do if you are not satisfied by any aspect of your Trailer Protector policy.