Am I covered to tow a trailer or caravan?
Your 123.ie car insurance policy provides third-party liability cover when towing a trailer or a disabled vehicle. This means you are covered for damage or injury caused to others but not for any loss or damage to the trailer itself or its contents.
To stay compliant, ensure:
- The trailer is attached correctly and meets all legal towing requirements.
- You hold the appropriate driving licence to tow a trailer.
- The trailer complies with safety and roadworthiness regulations as set out by the Road Safety Authority (RSA).
For full details, refer to your policy booklet.
What types of trailers are covered?
Your policy includes third-party cover for towing the following types of trailers:
- Single-axle trailers up to 500kg unladen weight
- Horseboxes
- Trailer tents
The following are not covered for towing:
- Caravans
- Mobile homes
- Boat trailers
- Any trailer with built-in machinery or equipment
Always check your policy schedule and vehicle handbook to ensure compliance with manufacturer and legal requirements.
Are there legal requirements for towing a trailer?
Yes, Irish law requires that:
- You hold a valid licence for towing. In some cases, a Category BE licence is required for heavier trailers.
- The trailer is roadworthy, correctly loaded, and fitted with working lights, brakes (if required), and proper coupling equipment.
- It complies with weight limits and road safety regulations set by the RSA.
For up-to-date guidance, visit the RSA’s towing rules.
Does my policy cover damage to my trailer or its contents?
No, third-party liability cover only applies while towing. This means your policy does not cover:
- Damage to the trailer itself
- Theft of or damage to its contents
To fully protect your trailer and its cargo, consider separate trailer insurance.
Ensuring the right cover while towing
While 123.ie provides third-party liability cover for towing, you must ensure:
- Your trailer is legally compliant and roadworthy.
- You hold the correct driving licence.
- You consider separate insurance for trailer damage and contents.
For full details on cover, limits, and exclusions, check your policy booklet.