Trailer Insurance NZ

What is Trailer Insurance?

Trailer insurance provides specialised cover for all types of business trailers including utility trailers, horse floats, food trailers, mobile workshops, caravan-style trailers, and other towed equipment. Trailers are often overlooked but can represent significant capital investment and are vulnerable to theft, damage, and accidents.

What Does It Cover?

• Accidental damage to the trailer
• Theft of trailer
• Theft of contents and equipment
• Third party property damage liability
• Fire and natural disaster damage
• Damage while in transit
• Hired trailer cover (optional)

Types of Trailers Covered

• • Utility and box trailers
• • Horse floats and animal transport
• • Food trailers and mobile kitchens
• • Mobile workshops and service trailers
• • Caravan and accommodation trailers
• • Trade trailers and equipment trailers
• • Boat trailers (commercial)
• • Heavy plant and machinery trailers

Who Needs Trailer Insurance?

Trailer insurance is essential for businesses that:

• • Operate mobile businesses from trailers
• • Transport equipment or goods in trailers
• • Use horse floats for equestrian businesses
• • Have valuable equipment stored in trailers
• • Rent or hire trailers
• • Need to cover trailers separately from vehicles

Cover Options

Typical Costs

Trailer insurance costs vary based on trailer type, value, and usage. Typical costs start from:

• • Basic utility trailer: From $250/year
• • Box trailer: From $350/year
• • Horse float: From $450/year
• • Food/mobile workshop trailer: From $500/year
• • Heavy plant trailer: From $600/year