Most comprehensive car insurance policies provide limited cover for a trailer while it is attached and in motion, but typically exclude the trailer when it is parked, stored, or detached. A dedicated trailer insurance policy provides continuous cover regardless of whether the trailer is attached, parked, or in storage.

Insurable trailer types include: utility/open trailers, enclosed cargo trailers, boat trailers, horse floats and livestock trailers, equipment trailers, refrigerated trailers, and commercial semi-trailers. Each type has different risk profiles and premium calculations.

Trailers over 750kg GVM must be licensed and registered with the relevant transport authority under the National Road Traffic Act. Insuring a trailer typically requires the trailer registration number. Commercial trailers used for hire must be registered appropriately and may require additional commercial cover conditions.

Trailer insurance premiums vary based on the trailer value, type (utility vs commercial), storage location, and intended use. Basic utility trailer policies start from approximately R100–R300/month (est.). Commercial and boat trailer premiums depend on insured value. Submit an RFQ for accurate quotes from FSCA-regulated insurers.