Best Trailer InsuranceCompare Top Providers and Get the Best Deal

Finding the Best Trailer Insurance

New Zealand has several excellent trailer insurance providers, each with different strengths, coverage options, and pricing. The "best" provider depends on your specific needs, trailer type, and priorities. Some excel at competitive pricing, others at claims support, and some specialise in specific trailer types like boats or caravans.

To find the best trailer insurance for your situation, you need to compare not just premiums but also coverage options, excess flexibility, claims handling, and customer service. Getting quotes from multiple providers is essential—premiums can vary significantly for the same coverage level.

Top Trailer Insurance Providers

Note (May 2026): All five providers below require phone contact to obtain a trailer or caravan insurance quote. No self-serve online quote tools currently exist for standalone trailer insurance in New Zealand.

AA Insurance — Best Overall

AA Insurance is New Zealand's Most Trusted Insurer for 16 consecutive years and offers a dedicated standalone trailer policy — not just a car insurance add-on. Agreed value cover with $20 million third-party liability. Strong nationwide network and responsive claims handling.

Strengths: Brand trust, agreed value, $20M liability, nationwide repair network. Best for: Everyday box and utility trailers, customers who value peace of mind with a name they know.

AMI Insurance — Best for Caravans

AMI (IAG Group) offers two separate products: a dedicated Caravan Insurance policy that includes contents cover, and a separate Trailer Insurance policy. The caravan policy includes excess-free key replacement up to $1,000. $20 million third-party liability on both products.

Strengths: Separate caravan policy, contents cover included, IAG Group financial strength. Best for: Caravan owners, camper trailer users, horse float owners with living quarters.

State Insurance — Best for Bundling

State Insurance (IAG Group) maintains separate policy documents for trailers (SI1058/8) and caravans (SI1057/9). Multi-policy bundling discounts are available for customers who already hold State home or car insurance. Wide repair network backed by IAG.

Strengths: Multi-policy discounts, IAG Group backing, dedicated policy wordings. Best for: Customers already with State for home or car insurance. Via State.co.nz.

Tower Insurance — Best Liability Limit

Tower offers the highest third-party liability limit in the NZ market at $25 million — the most comprehensive financial protection available if your trailer causes a serious accident. Optional contents cover (up to $5,000) and accessories cover ($2,000–$5,000) are available add-ons. All quotes are arranged by phone.

Strengths: $25M liability (highest in market), optional contents cover, accessories cover. Best for: Maximum liability protection, larger caravans with contents.

FMG Insurance — Best for Rural & Horse Floats

FMG (Farmers' Mutual Group) is New Zealand's specialist rural insurer. Their Superior Private Vehicles policy covers horse floats, farm trailers, and caravans — with advisers who genuinely understand farming operations, rural roads, and equestrian use. If you're insuring a horse float worth $15,000 or more, FMG should be your first call.

Strengths: Rural expertise, horse float specialists, personalised adviser service. Best for: Anyone in the primary sector — horse float owners, farmers, rural lifestyle block owners.

What to Compare When Choosing Trailer Insurance

1. Premium Price

Compare annual costs, but don't choose based on price alone. A cheaper premium might have higher excess or lower coverage limits. Get quotes for the same coverage levels across providers.

2. Excess Flexibility

Different providers offer different excess levels. Some have fixed excess, others allow you to choose. Some offer optional zero or low excess for an additional premium. Choose an excess you can comfortably afford if you need to claim.

3. Coverage Options

Ensure the provider offers the coverage you need. Can you add contents insurance? Do they offer agreed value? Are add-ons available for specific risks relevant to your trailer type?

4. Claims Process

Look for providers with quick claims processing, 24/7 support, and straightforward processes. Read reviews from actual customers about their claims experience.

5. Discounts

Ask about multi-policy discounts (bundling home and trailer insurance), good driver discounts, loyalty discounts, and discounts for security measures. These can reduce your premium by 10-20%.

6. Customer Service

Check if the provider offers 24/7 support, phone or online chat. Read customer reviews about service quality. When you need to claim, good customer service matters.

Tips for Getting the Best Trailer Insurance Deal

• Get quotes from at least 3-5 different providers to compare
• Ensure you're comparing the same coverage levels and excess across quotes
• Ask about all available discounts: multi-policy, good driver, security, loyalty
• Consider bundling home and trailer insurance for bigger discounts
• Review your policy annually—rates and options change yearly
• Be honest about your trailer type, usage, and location—misrepresentation voids claims
• Choose an excess you can actually afford if you need to claim
• Check for agreed value options if you have a valuable or specialty trailer
• Read customer reviews and check claims handling experiences