Trailer Cover

In most cases, yes. A specialist marine broker can add trailer cover to your jet ski policy so both the craft and trailer are protected under a single product. The trailer is typically listed as a separately specified item with its own value. Combining the two provides simpler administration and can be more cost-effective than insuring them separately through different providers.

Trailer cover typically protects against theft of the trailer itself, accidental damage while the trailer is in use or in storage, and damage to the trailer during towing incidents. Some policies also extend cover to the craft while it is loaded on the trailer — either while travelling or while the loaded trailer is parked. Check the policy wording carefully to understand exactly when and where the trailer is covered.

This depends on the specific policy wording. Some marine policies extend cover to trailers while parked at public launch sites; others may restrict cover to private premises or named locations. Given that theft from boat ramps is a known risk, it is worth specifically asking your broker about launch site cover before selecting a policy. A specialist broker can source policies that address this scenario directly.

Most insurers require the trailer to be a registered vehicle in order to insure it. An unregistered trailer is also a legal risk — it cannot be towed on a public road. If your trailer is not currently registered, it is worth getting this sorted before seeking cover. Once registered, your broker can arrange trailer cover as part of your overall jet ski insurance package.

Under a comprehensive policy, yes — your craft is generally covered against theft whether it is on the water, in storage, or on a trailer at your property. The trailer cover component specifically addresses theft and damage to the trailer itself. If the craft is stolen while loaded on a trailer, both the craft loss and the trailer loss should be covered, subject to the terms and sub-limits in your policy.