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An empty boat trailer standing half submerged on an algae covered concrete slipway

Magazine / Magazine: Boat and season

Trailering and launching: the underrated hours

Once a trailer is uncoupled, the towing car’s insurance no longer answers for it. Who does is worth knowing before the season.

18 March 20266 min readNAMMERT Assekuradeur GmbH

Some of the most underrated hours of the boating year are not afloat. They are on the road and on the ramp. Trailering brings together three things that are each manageable alone and rarely practised together: a tall outfit, a wet ramp and time pressure before a booked crane slot.

On the towing vehicle the towing capacity decides, not the wish. An outfit of one and a half tonnes on a ramp with a twelve per cent gradient asks for roughly a hundred and eighty kilograms of tractive effort, and on algae-covered concrete for more than a front-wheel-drive car can produce with its driven wheels already in the water.

The licence and weight rules are a national matter and they differ more than people expect. Within the EU the categories are harmonised on paper, but the combined weight at which a separate entitlement begins, the speed limits for an outfit, and the tolls that apply above three and a half tonnes often differ between neighbouring countries. Check the country you are driving through, not only the one you live in.

The point most often misunderstood is liability while the trailer is not coupled. Under tow, the motor insurance of the towing vehicle answers for damage to third parties. It says nothing about who replaces the trailer if it is stolen. And when an uncoupled trailer rolls away on a slope, the towing car is no longer involved. Whether anything answers then depends on how the trailer itself is insured and on what the boat policy says.

So it is worth establishing two things in writing before the season: whether the trailer is insured against theft and damage at all, and whether liability for it extends to the times when it is standing uncoupled, being manoeuvred by hand, or parked in a winter yard. Both answers come from the wording, not from the brochure.

For the day itself: take chocks, plan a second person, immerse the trailer only as far as the rollers require, and release the strops only once the boat is afloat. Launching damage often happens because one of those four was missing.

Reverse down the slipway, chock the wheel, release the straps only once the boat floats

Worth checking

Check towing capacity against the weight of the outfit Establish whether the trailer itself is insured, and for how much Ask whether liability extends to the uncoupled trailer Check licence, speed and toll rules for every country on the route Take chocks and plan a second person Release strops only once the boat is afloat After launching: check wheel bearings and lights

Common questions

Do I need separate trailer insurance?

It depends on the wording. Some boat policies include the trailer in liability and can insure it against damage; many do not mention it at all. Ask before you assume.

What happens if the trailer rolls away on its own?

No towing vehicle is involved, so its motor insurance does not answer. Unless something covers the uncoupled trailer, the liability is yours personally.

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