Do I need separate builder trailer insurance?
You should take out dedicated trailer insurance for your own peace of mind if you use a trailer as part of your business to carry out contract works.
While not a legal liability, it should be an element of your annual business insurance portfolio and your trailer cover can complement any public liability insurance you have in place.
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 your policy would not pay out 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 insurance for trailers can solve these issues. So call us, our best deals are available over the phone.
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 for loss and damage
- 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
Insurance brokers like Sterling find quotes from various providers so you get the very best deal for your trailer insurance. 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.
Covers commercial and domestic use
Whether you are towing building materials and work tools 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
Our insurance covers your trailer for loss and damage up to the value of £40,000. We can insure trailers for all kinds of needs. Call our team, let them know your situation and 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 building trailer insurance. As a standard feature in all 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 builder 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 save money on my Sterling builder trailer insurance policy?
Sterling 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.
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
Where can I find cheap trailer insurance?
Sterling is authorised and regulated by the Financial Conduct Authority and will find a deal that’s right for you and your building business.
Sterling can provide specific cover for horsebox trailers, flatbed trailers, trailer tents, boat trailers, garden trailers, luggage trailers and teardrop trailers.
Whether your builder trailer spends most days parked in the garage or is on the road in regular use, Sterling has trailer cover to match the task.
Are there any builder trailer safety guidelines that I need to know?
- The weight of your builder trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the builder 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 builders trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the trailer must display the same number plate as the towing vehicle.
- Builders trailer speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Builders trailers cannot use the outside lane of a motorway.
