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Information on the calculation basis:

Privately used trailer, newly purchased vehicle to be insured with Allianz, not a legal entity, date of birth: 01/05/1965, policyholder is the vehicle owner, postal code: 26789 Leer, no special occupational group, 750 kg gross weight, open box type, purchase price €740, first registration 06/2022, not currently registered, standard license plate, no deductible, quote date: 07/03/2023.

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Trailer insurance: Briefly explained

  • Insure your motorcycle trailer with trailer liability, trailer partial coverage, or trailer full coverage. Your Allianz benefits: Up to 24 months reimbursement of purchase or replacement value, plus fast claims processing.
  • Which type of insurance is needed depends on the model and type of use. For travel trailers, Allianz offers a caravan insurance.
  • For light-duty trailers, you can take out affordable 750 kg trailer insurance. The cost depends on factors like build type, first registration, and purchase price.
  • Is trailer insurance mandatory? Yes — most trailers are not covered by the towing vehicle’s insurance. Some special trailers (e.g., boat trailers) do not require separate trailer insurance.
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This is what Allianz offers

Trailer insurance: Allianz benefits

Allianz Trailer Insurance offers particularly fast claims processing and strong benefits. And that's true for every type of insurance: You can choose between trailer liability, trailer partial comprehensive, and trailer fully comprehensive.

Benefits of choosing Allianz trailer liability insurance:

  • High coverage amounts: Property and financial losses covered up to €100 million. Personal injuries up to €15 million per injured person.
  • Defense against unjustified claims: Allianz checks third-party claims and defends against unjustified demands, even in court.
  • Protection while detached: Liability also applies if you're manually moving your trailer and cause an accident.

If your trailer causes damage, private liability insurance is not enough. For car trailers, motor vehicle liability is legally required. Basic coverage applies to damages caused to others by your trailer, including:

  • Property damage (e.g. dented bumper, damaged house wall)
  • Personal injury (e.g. injured cyclist or car driver)
  • Financial loss (e.g. lost income due to missed appointments caused by the accident)

Which is better for my trailer: liability or partial coverage? Liability is sufficient if your trailer is old, unused, or of little value. Partial coverage is better for well-maintained used models in frequent use on public roads.

The Allianz partial coverage for trailers includes these advantages:

  • Protection against collisions with all animals: Whether wildlife or domestic animals, Allianz covers all cases.
  • Extended new and purchase price compensation: In case of theft or total loss, Allianz reimburses the new or purchase price up to 24 months.

What does trailer partial coverage insure? It covers damage to your own trailer such as:

  • Damage from natural disasters (e.g. storm)
  • Short circuit and fire damage (e.g. wiring issues)
  • Glass breakage (e.g. stone chip on trailer lights)
  • Animal damage (e.g. marten bite)
  • Theft and partial theft (e.g. stolen tarp)

When is trailer partial coverage worthwhile? If your trailer is used regularly and still in good condition, partial coverage helps maintain its value.

Benefits of choosing Allianz fully comprehensive insurance for trailers:

  • New price compensation: For total loss of new trailers caused by your fault within 24 months of registration.
  • Waiver of gross negligence objection: Covers damages even if caused by carelessness (e.g. accident while distracted).

Fully comprehensive includes all partial coverage benefits and also covers:

  • Vandalism (e.g. slashed tarp)
  • Self-inflicted trailer damage (e.g. parking damage)

When is trailer fully comprehensive insurance worthwhile? Ideal for new and/or expensive trailers where full protection is desired.

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