Compare Trailer Insurance Providers in NZ
We've researched every major NZ trailer insurer so you don't have to. See accurate coverage details, liability limits, and quote methods — then let our brokers get you the best deal.
The Coverage Gap Most Kiwi Trailer Owners Don't Know About
Your car insurance likely only covers your trailer up to $750–$1,000. Most NZ car policies include what insurers call the “garden trailer rule” — limited cover for small utility trailers that gets stripped away the moment your trailer is unhitched.
Third-party liability only while hitched. Own damage limited to ~$750–$1,000. Nothing when unhitched.
Theft when parked. Fire. Accidental damage. Contents inside the trailer. Overloading voids all claims.
Covers the trailer 24/7, hitched or not. Agreed value payout. Fire, theft, natural disaster, and third-party liability.
Source: Quashed.co.nz independent NZ insurance research, December 2025. Policy wordings vary — always read your PDS.
Trailer Insurance Feature Comparison
Verified against current policy wordings. All five providers confirmed to offer standalone trailer/caravan policies — not just add-ons.
Note: As of May 2026, all five providers in this comparison require phone contact to obtain a trailer insurance quote. None offer a self-serve online quote tool for trailers or caravans. Our broker service submits your details once and gets quotes back from multiple providers.
| Feature | AA Insurance Standalone Trailer Policy | AMI Insurance Separate Caravan + Trailer Policies | State Insurance Standalone Trailer & Caravan Cover | Tower Insurance Caravan & Trailer Insurance | FMG Insurance Rural Vehicle & Trailer Insurance |
|---|---|---|---|---|---|
| Liability Limit | $20 million | $20 million | IAG standard rates | $25 million | Contact FMG |
| Comprehensive Cover | |||||
| Third-Party Liability | |||||
| Agreed Value Option | |||||
| Natural Disaster Cover | |||||
| Contents Cover | |||||
| Roadside Assistance | |||||
| Online Quote Tool | |||||
| Best For | Everyday utility & box trailers | Caravans & horse floats with contents | Bundling with existing State home or car policy | Maximum liability protection | Horse floats, farm trailers & rural use |
AA Insurance
16× Most TrustedStandalone Trailer Policy
Best for: Everyday utility & box trailers
AMI Insurance
IAG GroupSeparate Caravan + Trailer Policies
Best for: Caravans & horse floats with contents
State Insurance
IAG GroupStandalone Trailer & Caravan Cover
Best for: Bundling with existing State home or car policy
Tower Insurance
Highest LiabilityCaravan & Trailer Insurance
Best for: Maximum liability protection
FMG Insurance
Rural SpecialistRural Vehicle & Trailer Insurance
Best for: Horse floats, farm trailers & rural use
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Get a Free Quote →Provider Profiles — What You Need to Know
Detailed breakdown of each insurer's trailer product, strengths, and limitations — based on current NZ policy wordings.
AA Insurance
16× Most TrustedStandalone Trailer Policy
AA Insurance offers a dedicated standalone trailer policy — not just an add-on to your car insurance. Known as New Zealand's most trusted insurer for 16 consecutive years, AA covers trailers on agreed value with full third-party liability up to $20 million. Quotes are arranged by phone through their broker network.
AMI Insurance
IAG GroupSeparate Caravan + Trailer Policies
AMI (part of the IAG Group) provides two separate products: a dedicated Caravan Insurance policy and a separate Trailer Insurance policy. The caravan policy includes contents cover for belongings inside — the trailer policy covers the trailer itself. Both include $20 million third-party liability and excess-free key replacement up to $1,000.
State Insurance
IAG GroupStandalone Trailer & Caravan Cover
State Insurance (also IAG Group) maintains separate policy wordings for trailers (document SI1058/8) and caravans (SI1057/9). As an IAG member, State Insurance shares the group's financial strength and claims infrastructure. State is strong on bundling discounts if you already hold home or car insurance with them.
Tower Insurance
Highest LiabilityCaravan & Trailer Insurance
Tower offers the highest third-party liability limit in this comparison at $25 million. Their trailer/caravan policy covers collision, fire, theft, and natural disaster events. Optional contents cover up to $5,000 is available, plus accessories cover ($2,000–$5,000). All quotes are phone-based.
FMG Insurance
Rural SpecialistRural Vehicle & Trailer Insurance
FMG (Farmers' Mutual Group) is the go-to insurer for rural and farming New Zealand. Their Superior Private Vehicles policy covers horse floats, farm trailers, and caravans as part of a broader rural vehicle package. FMG works through a network of rural advisers — ideal if you want someone who understands farming operations and livestock transport.
Coverage Needs by Trailer Type
Different trailers carry different risks. Here's what matters most for each type.
Box & Utility Trailers
The most common type in NZ. Standard two-axle box trailers used for moving furniture, tools, garden waste. Typically lower values ($1,000–$8,000) — agreed value policies are ideal.
Boat Trailers
Single or tandem axle trailers used to transport trailer boats. Higher theft risk at boat ramps. Mariner-specific policies may cover the boat and trailer together under marine insurance.
Horse Floats
Specialist trailers with high values ($15,000–$80,000+). FMG Insurance dominates this segment with rural adviser expertise. Livestock welfare and breakdowns far from help are key risks.
Caravans & Camper Trailers
Highest average values and most complex coverage needs. Require contents cover for furniture, appliances, and personal items. AMI offers the most complete caravan-specific policy wording in NZ.
Car Trailers & Flat Decks
Used for transporting vehicles, machinery, and heavy equipment. Commercial use changes the risk profile — check whether your policy covers trade or business use explicitly.
Enclosed Trailers
Specialist trailers for motorcycles, gear, and equipment. Higher theft risk and often contain expensive contents. Contents cover is essential — standard trailer policies may not cover what's inside.
How to Choose the Right Provider
🏆 Best overall for most trailers: AA Insurance
New Zealand's most trusted insurer for 16 years running. Dedicated standalone trailer policy with agreed value and $20 million third-party liability. If you want the peace of mind of the most recognised name in NZ insurance, AA is the benchmark. Phone-only quoting via their broker network.
🚌 Best for caravans with contents: AMI Insurance
AMI is the only provider in this comparison with a fully separate, dedicated Caravan Insurance policy that includes contents cover as standard — furniture, appliances, and personal belongings inside your caravan. Also excess-free key replacement up to $1,000. Strong choice for full-timer or regular caravanners.
🛡️ Best liability limit: Tower Insurance
At $25 million third-party liability, Tower offers the highest limit in this comparison — useful if your trailer could cause significant damage in a serious accident (e.g., an unbraked caravan causing a multi-vehicle crash on a motorway). Optional contents cover ($5,000) and accessories ($2,000–$5,000) available.
🌾 Best for rural & horse floats: FMG Insurance
FMG is the clear choice for farming New Zealand. Their rural advisers understand horse floats, farm trailers, livestock transport, and the specific risks of rural operations. FMG doesn't just understand trailers — they understand the land and the lifestyle. Essential if you're covering a horse float worth $30,000+.
🏠 Best for bundling: State Insurance
If you already hold a home or car policy with State Insurance, bundling your trailer cover can unlock multi-policy discounts. State (IAG Group) maintains dedicated trailer and caravan policy documents and IAG's broad financial strength behind them. Ask about bundling discounts when you quote.
Important: price is almost never the only factor
Excess amounts, claim payment speed, policy exclusions (especially overloading, WOF compliance, and coupling security), and whether your insurer will pay agreed value or market value at claim time can make a $200/year premium difference irrelevant. Our brokers are trained to look past the headline price.
What Trailer Insurance Typically Covers
Standalone trailer insurance policies in New Zealand generally include the following events — but always check your specific policy wording (PDS):
Damage from collisions while towing, including single-vehicle accidents and rollovers.
Fire damage to the trailer whether hitched or stored. Includes electrical faults and arson.
If your trailer is stolen from your property, a campsite, or a public area. Applies hitched or unhitched.
Flood, earthquake, storm, and volcanic activity. NZ EQC-equivalent events covered by most standalone policies.
If your trailer causes injury or property damage to others. NZ liability limits range from $20M to $25M.
Some policies include emergency towing after an accident and storage fees while repairs are arranged.
AMI (caravan policy) and Tower (optional add-on) cover belongings inside the trailer up to specified limits.
Tower explicitly covers accessories ($2,000–$5,000). Check whether awnings, annexes, or equipment are included.
⚠️ Common Exclusions to Watch For
- • WOF/rego non-compliance: If your trailer doesn't have a current WOF or registration, claims may be declined
- • Overloading: Exceeding your vehicle's towing capacity can void any claim — both your trailer and car policies
- • Coupling security: Trailer must be properly hitched — safety chains and couplings must be correctly fitted
- • Commercial use: Using a trailer for business or hire without declaring it can result in a declined claim
- • Contents (standard trailers): Most trailer policies (not caravan) exclude personal belongings inside the trailer
Get Quotes from All Providers in One Step
Because every provider requires a phone call to get a trailer insurance quote, going direct means five separate calls — each starting from scratch. Our brokers submit your trailer details once and come back with competitive quotes from the providers that best match your situation.
- We contact all five providers (and more from our broker network) on your behalf
- Quotes compared side-by-side — not just price, but excess, agreed value, and key exclusions
- ICNZ-registered brokers who understand NZ trailer and caravan insurance
- No obligation — compare then decide
- Response within 24 hours on business days
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