Trailer Insurance

[rpgk]

A previous thread prompted some questions with regard to insurance for trailers which I wonder if you guys could help with:

- Can you get insurance for a race trailer and it's contents? - The companies I have spoken to only want to insure the trailer, without contents, even then the insurance figure is pretty high.

- Do you need specific insurance to tow the trailer? My car insurance gives me third party cover in the event of an accident? If I wanted fully comp is this for the trailer or the driver? The reason I ask is that a couple of us take turns to either use the trailer or tow the car around. Would we both need separate insurance?
- In the event of an accident, who claims from what?

Hopefully the above makes sense and sorry if these sound like silly questions but haven't had much luck searching around.

Thanks in advance.

PS Edited to add my insurance covers me third party only - but not sure why original was double posted - could one of the mods please delete the other post - sorry!

Edited by rpgk on Tuesday 19th November 17:10

[garypotter]

Hello RPGK, you need to check your policy wording as I am sure they cover trailors for third party only whilst they are attached to your vehicle regardless of size type. As soon as the trailor is removed then no cover is in force from your car insurance.

I believe there are a couple of insurers who cover track cars/race cars and I would advise getting hold of the racing organisation to see if they are linked into any schemes.

Another option, if you have a company policy see if you can add the trailer as a business item!

[jeff666]

Try Ryan motorsport ins, another one is Morris, Google is very helpfull.

[rpgk]

Thank you - i think the double post created some confusion - I had edited the other (double post) thread to adjust for my discoveries after speaking to my insurance, apologies for wasting time on that front.

[Keithyboy]

I use www.competition-car-insurance.co.uk. Good service