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Late morning by a mountain lake: a grey SUV tows a white sports boat on its trailer along the lakeside road, cypresses above

Home / Boat trailer insurance

Boat trailer insurance: Hitch up. Slip in. Sorted.

Hitch up, slip in and the lake is yours. Getting it sorted takes about a minute: put the trailer on your boat's application, see the premium, and talk to a real person whenever you like.

Your premium in a minute Rather talk it through in 60 sec to your price
  • Your boat's premium in about a minute
  • Make, load and year: short and sweet
  • Ring +49 3375 29 12 77, a person answers

Paperwork, waiting, hold music

Three steps, then it is down the slipway

  1. Tell us about the trailer

    Make, load capacity and year, and whether it stays with the boat. It all goes on the same application as your boat.

  2. Check the numbers before you tow

    Gross weight, towing capacity, nose weight: three figures that have to match. Best sorted at home, not at the top of the ramp.

  3. We are on the other end

    Something happens on the road or at the slip? Report it straight to us and our own team takes it from there.

Plain numbers, no small print

What does your happy place cost a day?

One calculator, one form: price up the boat, add the trailer, done. Then it is back to the slipway.

The price of a good feeling

The trailer has no figure of its own: it goes on the application for your boat. Get the boat's premium and you are nearly there.

Get the exact figure Ask us anything

Arranged by NAMMERT as underwriting agency and insurance broker.

This is what it is for

From the driveway to the water

Lights checked, straps tight, reverse down the slip. A few minutes of faff, then she floats and the rest of the day is yours.

A woman crouches in a driveway beside a boat trailer, smiling as she checks the rear light
Lights working. Mood too.
Young man giving a thumbs up at a slipway, behind him a black pick-up with a white runabout on its trailer
Thumbs up, nearly afloat.

Good to know

The moment the coupling lets go

The moment the coupling lets go and a trailer comes off, it does its damage to somebody else, and that is a liability question, not a hull one. German law does not require a separate insurance certificate for a boat trailer under our cover, which is exactly why owners forget to mention it at all.

Does a boat trailer need its own insurance?

In short

Not with us: from Basis-Plus the trailer is carried in the liability section at no extra premium, uncoupled and while manoeuvring, up to 2 million euros, once it is named in the application with its value. While coupled, the car liability pays. No separate German insurance certificate is needed. Theft of the trailer runs through the hull section if the trailer is insured there with its value and locked against uncoupling.

Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.

Who pays when the trailer is involved

Four parties, and the split surprises most owners.

Damage to others while towing Car policyWhile coupled, the towing vehicle liability answers first. That is the law, not a choice.
Damage while uncoupled Boat policyA trailer that rolls away in the yard is on the boat liability from Basis-Plus.
Manoeuvring by hand Boat policyPushing the trailer into a berth or against a car is on the boat liability from Basis-Plus.
Theft of the trailer HullInsured when the trailer is named in the hull cover with its value and locked against uncoupling, or with a wheel clamp when parked. At home and abroad.
Transport damage to the boat HullThe boat is insured on the road for the hull perils of the tariff, a road accident for example under full cover. Damage from poor loading or lashing is not covered.
Launching and recovery HullDamage at the slipway is included under full cover, at a foreign ramp as well.
Registration plate EitherA green or a black plate makes no difference to the cover.
Trailer alone, no boat Not coveredCover follows the boat. A trailer used for something else needs its own policy.

Three ways it goes wrong

All three are ordinary, and all three have been claimed.

Nobody declared the trailer

From Basis-Plus the trailer rides in the liability section at no extra premium, but only once it is named in the application with its value.

A long drive south

A road accident with the boat on the trailer is a hull claim under full cover. Damage from poor loading or loose straps is not covered, so check the lashing before you set off.

A tariff below Basis-Plus

On the entry tariff the trailer is not in the liability section. That is the single line worth checking before a road trip.

A certificate is not the same as cover

Plainly said

Boat trailers in Germany can be registered on their own plate or run on the towing vehicle. Neither arrangement says anything about whether your boat policy covers what the trailer does when it is uncoupled.

Ask any provider for the clause on the uncoupled trailer and on manoeuvring by hand. If the answer is a shrug, the answer is no.

What we need for a quote

Before you buy

Make, load capacity and year of the trailer, and whether it stays with the boat or is used for anything else.

The three questions you actually have

Before you sign

Not “what does it cost” for your boat trailer; you can work that out yourself in a minute. These are the three nobody asks an insurer out loud. Here they are, with the answers we can back up.

“Will they actually pay?”

As your broker we handle the claim with you, your boat trailer included: one report to us, then we arrange the surveyor and one of more than 2,000 partner yards and follow it through to payment. The yard invoices directly; you pay the deductible and nothing else.

What happens in the first 48 hours →

“Who picks up the phone?”

A family firm since 1989, now in its second generation, with three of its own offices: Königs Wusterhausen near Berlin, Salzburg and Palma de Mallorca. No call centre, no franchise. You get a named contact for your boat trailer from the first hour; and after office hours, a number somebody answers.

Out of hours: +49 3375 29 28 95 →

“And if I choose wrong?”

Find the same cover for your boat trailer cheaper elsewhere and we make up the difference. Our comparison sets seven providers against the same criteria; including the segments where somebody else comes out ahead of us, and the one where we are the most expensive in the field.

Price guarantee →When we are not the right fit →

Which language is the policy wording in?

The policy wording is German; we go through it with you in English Our terms and conditions, the insurance product information documents and the cancellation notice exist in German, and the German wording is the binding one. We will not pretend otherwise. What we do: send you the product information documents translated, and walk you through the cover for your boat trailer on the phone in English before you sign anything. The full cover for your boat trailer, clause by clause, is written out in English on our detail page. Ask us for the documents and we send them the same working day. Any translation we provide is a courtesy translation; in case of doubt the German version prevails. Read the cover in full Request the documents

Questions from owners

Your question: Boat trailer insurance

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Answers come from us, not from other readers.

We send the answer there. It is never shown and deleted afterwards.

Is it about your own policy or a claim? Please call: +49 3375 29 12 77

Couple laughing beside a white motorboat on a trailer hitched to a grey SUV at the top of a lakeside slipway

Hitched, launched, sorted.

Cheaper elsewhere? We pay the difference.

Find the same cover for a lower premium somewhere else and we make up the difference, for the term of the policy, up to one year. Read the guarantee and its limits

See your premium Get in touch

Or call us now: +49 3375 29 12 77