Do you need separate trailer insurance for boats?
If you ever tow a trailer carrying a dinghy or a boat, you should take out insurance for your boat trailer.
Most comprehensive car and van insurance policies cover trailers, but usually only for third party liability. It means you would be covered for injury to another person or damage to their property, but not if your trailer was damaged in an accident that was your fault. You would also not be covered for theft or fire damage.
Sterling’s specialist boat trailer insurance can help solve these problems. The best deals are available over the phone.
The benefits of getting a policy with Sterling
- Prices start from £90
- Cover available for commercial and domestic use
- Covers 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. Phone one of our experts who will find a quote that works for you and your needs. Let us do all the work for you.
Covers commercial and domestic use
Whether you are towing a trailer with a boat 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
Whether you use a boat for work or for pleasure, Sterling will cover your trailer up to the value of £40,000. We can insure trailers for boats used for all kinds of watersports, exploring the waterways as well as fishing. Call our team, let them know your needs, and we will find the policy for you.
Up to £1m public liability cover
Sterling will also provide you with up to £1m public liability cover with its boat trailer insurance. As a standard feature in all of our trailer policies, it provides you with a certain level of cover if anything unexpected happens.
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 UK based claim line is open 24 hours a day, 365 days a year. If you have damage to your trailer or it has been vandalised and you need to make a claim, we will be here for your call.
Frequently asked questions
What else does Sterling boat 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.
- Cover that suits your needs.
How can I be sure Sterling boat trailer insurance is right for me?
Sterling boat and dinghy trailer insurance policies can suit all watercraft owners who need to use a trailer to transport their vessel, including those who:
- Use a boat in the course of their work.
- Enjoy watersports, such as water skiing, kite boating, canoeing, kayaking, yachting, sailing, wakeboarding, rafting, jet skiing, power boating, rowing, windsurfing or parasailing.
- Don’t have a permanent mooring, or like to explore the coast or inland waterways.
- Enjoy fishing from their boat.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
Where can I find cheap boat trailer insurance?
Sterling, which is authorised and regulated by the Financial Conduct Authority, will help find you cheap trailer insurance.
Sterling can provide specific cover for horse box trailers, flatbed trailers, trailer tents, builders’ trailers, garden trailers, luggage trailers, and teardrop trailers.
How can I save money on my Sterling boat trailer insurance policy?
Sterling boat trailer insurance is already great value for money, but you can save even more with up to 17.5% discount for trailers fitted with data tag security systems.
The best deals are only available over the phone and cannot be found on price comparison sites.
Are there any safety guidelines that I need to know if I am towing a trailer?
- The weight of your boat trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the boat 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 boat trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the boat trailer must display the same number plate as the towing vehicle.
- Boat trailer speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Boat trailers are prohibited from the outside lane of a motorway.
