Do I need separate insurance for my luggage trailer?
Luggage trailers are great when you need extra space in your vehicle – perhaps if you’re travelling to a holiday destination or moving home. But all that extra cargo increases your risk of loss in the event of a mishap, so you should consider luggage trailer insurance too.
Most comprehensive car and van insurance policies cover towing a caravan or trailer, but usually only 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 luggage trailer was damaged in an accident that was your fault. You would also not be covered for theft or fire damage.
Insurance for your trailer will provide peace of mind when it comes to these issues. Sterling’s best deals 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
- Claims helpline open 24/7
Prices start from £90 per year
Insurance brokers like Sterling find quotes from various insurance companies 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.
Cover for commercial and domestic use available
If you’re ever involved in an accident that isn’t your fault, things can be far from straightforward. Our legal cover is a standard feature in our car insurance policies, and it can help you recover any uninsured losses.
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 and to 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 luggage 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 safety guidelines I need to know to tow a trailer?
- The laden weight of your luggage trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerb weight if the luggage trailer has brakes – 50% if it hasn’t. (Please note: Depending on when you passed your driving test the towing allowance may differ. Check for the latest Department for Transport advice.)
- Maximum luggage trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the luggage trailer must display the same number plate as the towing vehicle.
- Luggage trailer speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Luggage trailers cannot use the outside lane of a motorway.
How can I save money on my Sterling luggage trailer insurance policy?
You will find Sterling luggage trailer insurance 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.
Where can I find cheap luggage trailer insurance?
Sterling insurance has luggage trailer insurance policies that really deliver the goods when it comes to value for money and benefits.
As well as luggage trailers, Sterling has policies for all kinds of trailers including horsebox trailers, garden trailers, builders’ trailers, trailer tents, boat trailers, flatbed trailers and teardrop trailers.
Whether your luggage trailer is only rolled out for holidays or is on the road in regular use, Sterling has cover to protect you and your property.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
