Insurance Practice. You are towing a trailer: do you need to be insured?

Let’s start with a first principle, which is essential. The trailers being assimilated to land motor vehicles (Article 1 of the Law of 5 July 1985 and Article L.211-1 of the Code des assurances), must be covered to a minimum by civil liability insurance, which should be ensured by civil liability. .

The weight will first determine whether the trailer must have a specific registration and whether it must pass a particular permit. The limit is set at 750 kg.

Under 750 kg, car insurance covers

In the first case, your trailer weighs less than 500 kg. You can tow trailers without formality and preliminary statement. You post the registration of the towing vehicle on the license plate.

If the trailer is between 500 and 750 kg, it must have its own registration; it is therefore advisable to warn the insurer that it must issue a specific green card for the trailer.

In the case of trailers over 750 kg, you must have a specific registration; the well towed – here a car – is insured for its part; it is his insurance that covers during the trip. The trailer is secured separately. Photo of DR

750 kg, insurance for the trailer

As for trailers between 500 and 750 kg, trailers over 750 kg must be registered independently of the towing vehicle. The insurance is independent of the car.

This applies to all trailers, whether it is a trailer for transporting goods or a boat trailer. Damage caused by a road accident is covered by the old man’s insurance.

It’s the same for car trailers; the transported car is covered during transport times by its own insurance contract. As for the pet van, the trailer is covered by insurance but not the animals that must have their own insurance.

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