Trailer insurance
Compare prices for mandatory trailer insurance and Casco insurance, and choose the best offer.
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Which trailer insurance should you choose?
Two different types of insurance may be relevant for a trailer: compulsory civil liability insurance and Casco insurance for the trailer itself.
Compulsory MTPL insurance
Compulsory civil liability insurance covers damage caused to other persons. It is required if the trailer is registered and used in road traffic – even if you use it only occasionally.
You can compare offers and purchase insurance online for a period of 1, 3, 6, or 12 months.
Casco insurance
Comprehensive insurance (Casco) is designed to protect the trailer itself—for instance, against damage, theft, fire, or natural events. It is particularly relevant for caravans and other higher-value trailers.
You can calculate the cost of Casco insurance online, but not all insurers provide a quote.
What kind of trailers can be insured?
Trailers vary widely – from simple utility trailers to caravans. Insurance options depend on the trailer’s purpose, value, and registration category.
Light trailers
Trailers for household goods, garden equipment, construction materials, furniture, or extra luggage, towed by a passenger car.
You can calculate the cost of mandatory insurance online using the license plate number.
Caravans and camper trailers
Caravans, mobile saunas, and tiny houses on wheels.
Due to their higher value, comprehensive insurance (Casco) is often relevant for them as well. Insurers assess such trailers on an individual basis, so not all of them may provide a quote.
Specialized trailers
Trailers for transporting boats, motorcycles, ATVs, animals, or machinery.
Tractor trailers and other agricultural machinery are insured differently – see the tractor insurance page for more details. Business insurance for companies’ heavy trailers and semi-trailers.
Trailer Casco insurance
Mandatory insurance covers only damage caused to others. If you want to protect the trailer itself, voluntary Casco insurance is required.
It is particularly relevant for caravans, motorhomes, and other high-value trailers.
Against which risks is it possible to get insured?
Depending on the insurer and the chosen insurance option, coverage may include traffic accidents, overturning, theft, fire, vandalism, storms, hail, flooding, or other sudden and unexpected damage to the trailer.
Specific risks and exclusions depend on the chosen insurer and the terms of the insurance.
What is covered by neither mandatory insurance nor Casco?
Neither compulsory insurance nor Casco insurance covers damage to the transported cargo or damage caused by the cargo.
Such risks are insured separately – through cargo insurance or carrier’s civil liability insurance.
Why do not all insurers provide a quote?
The value and risk associated with trailers—especially campers and motorhomes—vary significantly; consequently, some insurers do not offer comprehensive (Casco) coverage for them, while others assess each case individually.
Therefore, the calculator may show fewer offers than for a car, and sometimes – none at all.
If the calculator did not provide a quote, please contact us – we will try to find an insurer willing to insure your trailer or caravan.
What determines the cost of trailer insurance?
The cost of trailer insurance depends on the type of insurance chosen, the trailer itself, and its usage.
Cost of compulsory insurance
Mandatory trailer insurance is one of the cheapest mandatory insurance options. Insurers calculate the price based on their own risk assessment models.
Factors such as the trailer type and load capacity, the owner’s place of residence, claims history, and the chosen coverage period can be important. If the trailer is used infrequently, one can opt for a 1-, 3-, or 6-month policy; however, an annual policy is often simpler and more beneficial.
Comprehensive car insurance cost
The cost of comprehensive insurance depends primarily on the trailer itself: its type, make, value, year of manufacture, storage conditions, selected risks, and the deductible amount.
Interior equipment can also be an important factor for motorhomes. Since not all insurers offer coverage for this, it is worth comparing the quotes you receive.
What is needed for trailer insurance?
The required information depends on the type of insurance you choose.
For compulsory MTPL insurance
If the trailer is registered in Lithuania, the easiest way to start the calculation is with its registration number.
Additionally, trailer registration and owner details, as well as other information requested by the insurer, may be required.
For Casco insurance
You will generally need to provide the trailer type, make, year of manufacture, value, storage details, and history of previous damage. For caravans, a description of the equipment is also required.
Depending on the insurer, photos of the trailer may also be requested.
Frequently Asked Questions
Is MTPL insurance required for a trailer if I use it only occasionally?
Yes. A trailer is a vehicle, so mandatory insurance is required whenever it is involved in road traffic.
If you use it infrequently, you can choose a shorter period – the shortest is one month.
Can I purchase insurance for a period shorter than 12 months?
Yes, compulsory trailer insurance can be taken out for a period of 1, 3, 6, or 12 months.
Who is liable for damage when a trailer is attached to a car?
When a trailer is attached and in traffic, the main responsibility in the event of an accident usually rests with the owner of the vehicle, and the damage is covered by the car insurance.
If a trailer detaches and causes damage, liability shifts to the trailer’s owner. Some countries (e.g., Germany) assign partial liability to the trailer even when it is attached; therefore, having valid trailer insurance is particularly important when traveling abroad.
Does trailer insurance cover the cargo being transported?
No. Neither compulsory insurance nor Casco insurance covers the transported cargo or damage caused by it.
This requires cargo insurance or carrier’s civil liability insurance.
Can a trailer be insured with Casco?
Yes, you can calculate the cost of trailer Casco insurance online. However, not all insurers offer Casco coverage for trailers.
If the calculator did not provide an offer, please email us – we will try to help.
Can a caravan or motorhome be insured with Casco insurance?
It’s worth a try – the calculation is done the same way as for another trailer.
Insurers assess campers and motorhomes on an individual basis and do not always agree to insure them, so there may be fewer offers available.
What happens if I drive with an uninsured trailer?
You could face a fine, and in the event of a traffic accident, you would have to personally compensate for all damage caused to the injured parties.
How quickly can I get a trailer insurance policy?
You can purchase compulsory insurance on the “Man ramu” platform in just a few minutes. The insurance certificate is sent to your email immediately.
Insure your trailer according to your needs.
You can compare and purchase mandatory insurance online. If you also wish to protect the trailer or caravan itself, check which insurers offer Casco coverage.
Compulsory MTPL insurance
Enter the license plate number, compare offers from insurers, and choose the most suitable one.
Casco insurance
Enter the trailer details and see which insurers provide a quote.