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Trailer Insurance

Protection for your car trailer and its fixtures

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What’s Trailer Insurance?

RACV Trailer Insurance provides cover for collision damage or loss caused by natural events like bushfire, flood or storm, malicious damage or theft, or a collision on the road. Trailers include utility trailers, watercraft trailers and more.

Key benefit

If you give someone permission to borrow your trailer, they will be covered by this insurance policy.

More than just great cover

24/7 claims help

No claim or query is too difficult. Local consultants are always here to help. 

Pay annually or monthly

Save on the price of your premium when you pay annually.

Loyalty discount

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*

Multi-policy discounts

Take out two or more eligible policies and save up to 10% on each – including home and motor insurance.*

What does RACV Trailer Insurance cover?

Loss or damage to your trailer

Caused by a collision, flood, fire, malicious act, storm, theft or attempted theft.

Up to $500 in emergency repairs

Following an incident.

Towing from an incident

To a safe place or the nearest repairer.

Liability cover up to $20 million

For unintentional collision damage to someone else’s vehicle or property.

This is only a summary of the inclusions for RACV Trailer Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Loss or damage outside of Australia.

Loss or damage arising from not securing your trailer or leaving it in an unsafe place.

Cover for items inside or on your trailer, like tools, bikes or watercraft.

Rust, corrosion, depreciation and general wear and tear.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by callling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

With RACV Trailer Insurance, your car trailer will be covered when it’s parked at home and while you’re driving, provided it has been correctly fitted to the towing vehicle.

Any trailer that meets VicRoads requirements can be covered. This includes horse trailers, watercraft trailers, boat trailers and utility trailers.

Note that tools and other contents are not included as part of an RACV Trailer Insurance policy.

It is not a legal requirement to insure a trailer in Victoria. However, purchasing trailer insurance can help protect you from significant bills in the event your trailer causes damage to another vehicle, or in the event of damage or loss occurring to your trailer as a result of an insured event, like fire, flood, storm, theft or attempted theft.

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Tips and advice for your caravan

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.