It is generally required to have insurance coverage for any trailer you are towing on public roads. The type and amount of insurance required may vary depending on the type of trailer and its intended use.
In Queensland, at a minimum, all registered trailers must have Compulsory Third Party (CTP) insurance, which covers personal injury claims arising from a motor vehicle accident. However, CTP insurance does not cover damage to property or other vehicles.
Here is some information on the types of insurance that may be required when towing a trailer in Queensland:
1. Compulsory Third Party (CTP) insurance: This is the minimum legal requirement for all registered vehicles in Queensland, including trailers. CTP insurance provides coverage for personal injury claims arising from a motor vehicle accident, but it does not cover damage to property or other vehicles. The cost of CTP insurance is included in the registration fee for your trailer.
2. Third Party Property Damage insurance: This type of insurance covers damage caused to other vehicles or property in the event of an accident. If you are found to be at fault for an accident that damages another person’s property, you may be liable to pay for the damages. Third Party Property Damage insurance can help cover those costs.
3. Comprehensive insurance: This is the highest level of insurance coverage available for trailers in Queensland. Comprehensive insurance covers damage to your own trailer as well as damage to other vehicles or property. It can also include coverage for theft or fire damage.
It’s important to note that requirements for insurance coverage may vary depending on the type and weight of the trailer, and it’s always a good idea to check with your insurance provider or relevant authorities for the specific requirements that apply to your situation.
