How to insure a trailer?

If you’ve just purchased a trailer, you might be wondering if you need to insure it to better protect it. Is trailer insurance compulsory? What criteria does your insurer take into account? Everything will depend on the weight of the trailer. La Matmut tells you more.

What are the regulations?

Before insuring your trailer, it is essential to know its gross vehicle weight (GVWR). It conditions the license necessary to tow it, as well as its possible registration.

PTAC and driving license

The GVWR is calculated by adding the empty weight of the trailer to that of its load, knowing that the load obtained must not exceed that of the towing vehicle. This rule is valid for 4-wheel trailers since for 2-wheel trailers, the GVWR of the towed vehicle must not exceed 50% of the vehicle’s unladen weight.

Added to this is another subtlety: the license required depends on the total weight of your trailer, as well as that of the vehicle towing it. In fact, depending on the total weight, the license required varies:

  • If the trailer + car GVW is less than or equal to 3,500 kg, license B is enough;
  • If the trailer + car GVWR is between 3,500 and 4,250 kg, the B96 permit (an extension of the B permit obtained after a few hours of training) is necessary;
  • If the trailer + car GVWR is less than 7,500kg, the permis BE s’impose.

Do I have to register my trailer?

Again, it all depends on the GVWR of your trailer. For light loads up to 500 kg, it will have the same registration as the towing vehicle. It is therefore not necessary to take out an additional insurance contract to cover your civil liability. Indeed, the coverage of the towing vehicle will be extended to your trailer since the registration is identical. However, if you wish to benefit from Damage guarantees, you must take out an additional contract.

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On the other hand, If the GVWR of your trailer exceeds 500 kg but remains below 750 kg inclusive, the regulations are different. You must register it, but your car insurance contract covers your trailer at no additional cost but with a necessary declaration from the insurer. Beyond 750 kg, you will have to insure it independently of the towing vehicle. In this case, it is better to go to the same insurer. This will facilitate the procedures in the event of an accident.

Read also: Driving with a trailer: what does the law say?

How to insure a trailer weighing more than 750 kg?

You can choose between two different levels of coverage to insure your trailer over 750 kg. But beware: not all types of loading are covered.

Two possible levels of coverage

If the GVWR of your trailer exceeds 750 kg, it is mandatory to take out specific insurance. The law requires at least third party insurance.

In fact, to insure your trailer, two levels of coverage are possible.

  • Third party insurance: it takes care of the claim in the event of a responsible accident, under civil liability. Your insurance will cover damage caused to others. On the other hand, the costs of repairing or replacing your trailer will remain your responsibility;
  • Comprehensive insurance: it offers full coverage. In the event of a claim, even if you are responsible, the insurance may cover bodily injury and material damage, as well as theft or fire.

Under certain conditions, your insurance may also cover the loading of the trailer. This is one of the most common possible options, along with roadside assistance and towing. At Matmut, trailers benefit from 0 km breakdown assistance if this guarantee has been taken out for the towing vehicle (it is not possible to take out this guarantee for trailers).

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Boat, private vehicles, animal transport: which insurance prevails?

If you want to tow a boat, it is recommended to take out specific boat insurance, which covers damage when it is transported on the road before launching.

In addition, you should know that at Matmut, if the insured helps a third party who breaks down, on a voluntary and occasional basis, during towing with the insured vehicle, the financial consequences of civil liability are covered. However, damage to the towed vehicle is not guaranteed.

Read also: Third party auto insurance or all risks: how to choose?