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Trailers: brands, cover and insurance
The way to the water is covered.
Whether the trailer is part of the liability cover of the boat, also uncoupled and while manoeuvring, differs from policy to policy. Some need a separate contract or charge extra, so read that line first.
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What matters for this class of boat
Check whether the trailer is in the liability cover, also uncoupled and while manoeuvring, and whether that costs extra.
Check whether theft of the whole outfit and of the trailer alone is covered.
Check nose weight and gross weight; overloading is the most common argument after a claim.
Separate cover exists for commercial transport and dealer deliveries.
Brands in this class
11 brandsThese points apply to the whole class; each brand has its own page with models and years.
Trailers: what to check in the insurance conditions
Value: the trailer as an item
A boat trailer is a vehicle with its own value, its own registration and its own claims. Check whether the boat policy lists it as an item with a sum of its own or only as part of the outfit. A trailer stolen from a car park without the boat on it is a common loss, and only a policy that names the trailer will pay for it. Ask whether it is covered while parked at home.
Use: on the road and at the slipway
On the road the trailer usually belongs to the liability cover of the towing car, but that ends where the car is unhitched. At the slipway, in the car park and while manoeuvring by hand the trailer is on its own, and the boat policy has to say whether it steps in. Read that sentence before the first launch of the season.
Weights and documents
Nose weight, gross weight and the towing capacity of the car are the first things an insurer asks for after a claim on the road. Keep the papers of the trailer, the weight of the boat with fuel and gear, and the coupling class to hand. A boat that grew heavier over the years with new gear is a trailer that is quietly overloaded.
Typical claims
Theft of the outfit from the drive, a bearing failure on the motorway, a jack-knife in the rain and a boat that slid off the bunks on the slipway are the claims that recur. Check whether damage to the boat during launching and recovery is covered by the hull policy and whether wear of tyres and bearings is excluded. Photograph the load before every long tow.
