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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* To qualify for the Multi-Policy Discount, members must hold two eligible RACV Insurance policies. Excludes Travel, Business, Farm and Single Item Insurance products. On existing policies, discount takes effect at next renewal.

The information provided is general advice only, so before making any decisions please consider your own circumstances and the Product Disclosure Statement. For a copy, please call 13 RACV (13 72 28) or visit racv.com.au.
RACV Insurance policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039.
RACV MotorHomeLandlordVeteran, Vintage & Classic VehicleCaravan & TrailerMotorcycle and Boat Insurance 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.