Semi Trailer Insurance
A trailer is a separate insurable item from whatever is pulling it, and that catches operators out constantly. Ownership, custody and liability can all sit with different parties on the same trip, and the policy has to follow the trailer rather than the truck.
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What semi-trailers insurance covers
A Trailer Is Insured Separately
Comprehensive cover on the prime mover does not extend to the trailer behind it. Trailers need their own sum insured, scheduled by VIN, and that stays true whether the trailer is worth twenty thousand or two hundred.
Trailer in Control, When It Is Not Yours
If you tow a trailer you do not own, you can be liable for damage to it while it is coupled to your unit. Trailer in control responds to exactly that, and it is what makes swapping trailers at a depot workable rather than a standing exposure.
Unhitched and Unattended
Trailers spend a lot of time detached in yards, at depots and on the street. That is when they are stolen and when they are hit. Where a trailer is parked, and whether it is locked and immobilised, both affect cover and price more than owners expect.
Refrigerated and Specialised Bodies
A reefer unit can be worth more than the trailer under it, and breakdown that spoils a load is a different claim from collision damage. If the trailer is refrigerated, tautliner or tanker, the body has to be declared and the spoilage question asked directly.
The Load Is Still Separate
Trailer cover insures the trailer. What is on it is carriers liability or goods in transit, a different section with its own limit. Operators regularly assume a comprehensive trailer policy covers the freight; it does not.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Truckie Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Do I need separate insurance for a semi trailer?
Who insures a trailer I tow but do not own?
Is the freight on the trailer covered by trailer insurance?
Does insurance cover a trailer parked in a yard?
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Truckie Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).