Do I need separate insurance for my garden trailer?
If you use a trailer to move garden materials from one place to another, then getting it covered with the appropriate insurance makes good sense.
Most comprehensive car and van insurance policies only cover trailers for third party liability. It means you would be covered for any injury to a third party or damage to their property, but not if your garden trailer was damaged in an accident that was your fault. You would also not be covered for theft or fire damage.
Garden trailer insurance will solve these problems – and the best deals with Sterling are available over the phone.
Benefits of getting a policy with Sterling
- Prices start from £90
- Cover for commercial and domestic use available
- Covers trailers up to the value of £40,000
- Includes up to £1m public liability cover
- European cover for up to 30 days included
- UK based claims helpline open 24/7
Prices start from £90 per year
Insurance brokers like Sterling find quotes from different insurance companies so you get the very best deal for your trailer cover. Phone our team who will find a price that works for you and your needs. Discounts are available if you fit a data tag security system.
Cover for commercial and domestic use available
Whether you are towing a trailer for business or pleasure, our policies provide peace of mind cover in case anything happens. Our best prices are often over the phone. So let us know your needs, and we will find a policy with the right level of cover.
Cover for trailers up to the value of £40,000
Sterling will cover a trailer up to the value of £40,000, whether it’s used for work or pleasure. We can insure trailers for all kinds of needs. Call our team, let them know your circumstances, and we will find the policy for you.
Up to £1m in public liability cover
Sterling will also provide you with up to £1m public liability cover with its trailer insurance. As a standard feature in all of our trailer policies, it provides you with a certain level of cover if anything unexpected happened.
Includes European cover (for up to 30 days)
As well as being covered in the United Kingdom, Channel Islands and the Isle of Man, our trailer policies also include up to 30 days in the European Union. Your trailer must be registered in the UK. Extensions for longer periods in Europe and locations further afield are available on request.
Claims hotline is open 24/7
Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.
Frequently asked questions
What else does Sterling flatbed trailer insurance include?
- Covers accidental damage, fire and theft.
- New for old cover on trailers up to three years old.
- Up to 17.5% discount for trailers fitted with security devices.
Are there any garden trailer safety guidelines that I need to know?
- The weight of the trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the garden trailer has brakes – 50% if it hasn’t. (Depending on when you passed your driving test the towing allowance may differ. Check for the latest Department for Transport advice.)
- Maximum garden trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the garden trailer must display the same number plate as the towing vehicle.
- Garden trailer speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Garden trailers cannot use the outside lane of a motorway.
Where can I find cheap flatbed trailer insurance?
Sterling, which is authorised and regulated by the Financial Conduct Authority (formerly the Financial Service Authority), will help find you cheap trailer insurance. It will compare quotes from various insurers to find the right policy and price for your needs.
Sterling’s policies can provide specific insurance cover for all types of trailer including horse trailers, builders trailers, trailer tents, boat trailers, garden trailers, luggage trailers and teardrop trailers.
Whether your flatbed trailer spends most days parked in the garage or is on the road in regular use, Sterling has cover to protect you and your property.
How can I save money on my trailer insurance?
You will find Sterling’s trailer cover is great value for money, but you can save even more with up to 17.5% discount for trailers fitted with data tag security systems.
Sterling’s best deals are only available over the phone and cannot be found on price comparison sites. Call 0344 381 9990 for a quote that matches your precise needs.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
