Do I need separate teardrop caravan / trailer insurance?
Most car insurance policies will cover towing a trailer or a touring caravan, but it would probably be limited to third party. And when you stop and uncouple, the trailer will be without cover and vulnerable to theft and damage.
While teardrop trailer or micro caravan insurance isn’t a legal necessity, it is highly desirable. In the event of a claim, which could run into thousands of pounds, it will be money very well spent.
Thieves target more than 3,000 caravans each year. As well as theft of the caravan, they can target the possessions and equipment stowed inside, which standard home insurance may not cover.
So separate, more specialist insurance, for you teardrop trailer can help with navigating these challenges.
Benefits of getting a policy with Sterling
- Prices start from £90
- Covers all kinds of teardrop caravans / trailers / micro caravans
- Covers loss or damage to trailers up to the value of £40,000
- Includes up to £1m public liability cover
- European cover for up to 30 days included
- Claims helpline open 24/7
Prices start from £90 per year
Sterling compares quotes from various insurance companies so you get the very best deal for your policy. Phone one of our experts who will find a price that works for you and your needs. Discounts are available if you fit a data tag security system to your trailer.
Covers all kinds of teardrop trailers / micro caravans
This kind of accommodation on wheels is quite niche, but our policies provide specialist insurance 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. In fact, 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 teardrop 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 teardrop 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.
- Insurance against weather damage to awnings.
- Emergency accommodation expenses in the event of storm damage.
- Cover for imported and high-value micro caravans.
Are there any teardrop trailer safety guidelines that I need to know?
- The laden weight of your teardrop trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the 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 trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the teardrop trailer must display the same number plate as the towing vehicle.
Speed limits on UK roads for trailers and caravans are 60mph on motorways and dual carriageways and 50mph on single carriageway roads. They cannot use the outside lane of a motorway.
Where can I find cheap teardrop trailer insurance?
Sterling is one of the few insurance companies that offer value for money specialist teardrop trailer insurance and micro caravan insurance.
As well as teardrop trailer insurance, Sterling can cover your luggage trailer, horsebox trailer, garden trailer, builders trailer, camper trailer, boat trailer and flatbed trailers.
Whether your teardrop trailer spends most days parked in the garage or is in regular use, Sterling has cover to protect you and your property.
How can I save money on my Sterling teardrop trailer insurance policy?
- Up to 25% no claims discount.
- Monthly instalment plans to help spread the cost.
- Discounts for members of touring, camping and caravanning clubs.
- Discounts for arranging car and caravan cover together.
Sterling’s best deals are only available over the phone and cannot be found on price comparison sites.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
