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Teardrop Trailer Insurance

Teardrop Trailer Insurance

Prices for your teardrop trailer insurance start from £90. Teardrops, also known as micro caravans, are quirky and provide a versatile way to enjoy the great outdoors. If you want insurance for your camper trailer, then call us for a quote today. Our best prices are often available over the phone.

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Rated Great
Rated ‘Great’ based on 9,498 reviews
Teardrop Trailer Insurance from just £90!

Do I need separate teardrop caravan / trailer insurance?

Most car insurance policies will cover towing a trailer or a touring caravan, but it would probably be limited to third party. And when you stop and uncouple, the trailer will be without cover and vulnerable to theft and damage.

While teardrop trailer or micro caravan insurance isn’t a legal necessity, it is highly desirable. In the event of a claim, which could run into thousands of pounds, it will be money very well spent.

Thieves target more than 3,000 caravans each year. As well as theft of the caravan, they can target the possessions and equipment stowed inside, which standard home insurance may not cover.

So separate, more specialist insurance, for you teardrop trailer can help with navigating these challenges.

Benefits of getting a policy with Sterling

  • Prices start from £90
  • Covers all kinds of teardrop caravans / trailers / micro caravans
  • Covers loss or damage to trailers up to the value of £40,000
  • Includes up to £1m public liability cover
  • European cover for up to 30 days included
  • Claims helpline open 24/7

Prices start from £90

Sterling compares quotes from various insurance companies so you get the very best deal for your policy. Phone one of our experts who will find a price that works for you and your needs. Discounts are available if you fit a data tag security system to your trailer.

Covers all kinds of teardrop trailers / micro caravans

This kind of accommodation on wheels is quite niche, but our policies provide specialist insurance in case anything happens. Our best prices are often over the phone. So let us know your needs, and we will find a policy with the right level of cover.

Cover for trailers up to the value of £40,000

Sterling will cover a trailer up to the value of £40,000, whether it’s used for work or pleasure. In fact, we can insure trailers for all kinds of needs. Call our team, let them know your circumstances, and we will find the policy for you.

Up to £1m in public liability cover

Sterling will also provide you with up to £1m public liability cover with its trailer insurance. As a standard feature in all of our trailer policies, it provides you with a certain level of cover if anything unexpected happened.

Includes European cover (for up to 30 days)

As well as being covered in the United Kingdom, Channel Islands and the Isle of Man, our teardrop trailer policies also include up to 30 days in the European Union. Your trailer must be registered in the UK. Extensions for longer periods in Europe and locations further afield are available on request.

Claims hotline is open 24/7

Sterling’s UK based claims line is open 24 hours a day, 365 days a year. If you have damage to your trailer or it has been broken into and you need to make a claim, we will be here for your call.

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Frequently asked questions

  • Covers accidental damage, fire and theft.
  • New for old cover on trailers up to three years old.
  • Up to 17.5% discount for trailers fitted with security devices.
  • Insurance against weather damage to awnings.
  • Emergency accommodation expenses in the event of storm damage.
  • Cover for imported and high-value micro caravans.

  • The laden weight of your teardrop trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the trailer has brakes – 50% if it hasn’t. (Depending on when you passed your driving test the towing allowance may differ. Check for the latest Department for Transport advice.)
  • Maximum trailer width in the UK and EU is 2.55m.
  • Indicators, lights and brakes (where fitted) must work and the teardrop trailer must display the same number plate as the towing vehicle.

Speed limits on UK roads for trailers and caravans are 60mph on motorways and dual carriageways and 50mph on single carriageway roads. They cannot use the outside lane of a motorway.

Sterling is one of the few insurance companies that offer value for money specialist teardrop trailer insurance and micro caravan insurance.

As well as teardrop trailer insurance, Sterling can cover your luggage trailer, horsebox trailer, garden trailer, builders trailer, camper trailer, boat trailer and flatbed trailers.

Whether your teardrop trailer spends most days parked in the garage or is in regular use, Sterling has cover to protect you and your property.

  • Up to 25% no claims discount.
  • Monthly instalment plans to help spread the cost.
  • Discounts for members of touring, camping and caravanning clubs.
  • Discounts for arranging car and caravan cover together.

Sterling’s best deals are only available over the phone and cannot be found on price comparison sites.

You can save even more with up to 17.5% discount for trailers fitted with data tag security systems. You can also get:

Even better deals over the phone

Our best policies and prices for teardrop trailer insurance do not appear on price comparison sites and are not available online.

So let us compare the cost of insurance premiums with the levels of cover available. We’ll get quotes from multiple insurance providers to ensure you get the very best deal.

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year.

If an insurance customer needs to make a claim, we’ll be here for you. Be assured there will be a sympathetic ear at the end of the phone.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call.

As soon as you agree the policy terms, your insurance can be issued on the same day.

30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years.

It means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

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