What is Trailer Insurance?

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

Key inclusion:

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

Why choose RACV Trailer Insurance

Customer care

Our Australian-based consultants are always here to help you.

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

Pay annually

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

What does RACV Trailer Insurance cover?

With an RACV Trailer Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included: 

  • Loss or damage to your trailer caused by a collision, flood, fire, malicious act, storm, theft or attempted theft.
  • Towing from an incident to a safe place or the nearest repairer.
  • Up to $500 in emergency repairs following an incident.
  • 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.
  • Cover for items inside or on your trailer, like tools, bikes or watercraft.
  • Loss or damage arising from not securing your trailer or leaving it in an unsafe place.
  • 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.

Insurance claims and documents

Frequently asked questions

Do I need insurance to tow a trailer?

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.

Other RACV Caravan Insurance products 

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* 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 racv.com.au. 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 racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Insurance product(s) issued by Insurance Manufacturers of Australia 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.