Yes, but trailers and tools are usually insured differently.

Trailers #

A trailer can often be included under a Commercial Motor policy as a separately listed item.

The insurer may require information such as:

• Trailer type
• Registration
• Value
• Intended use
• Carrying capacity
• Permanently fitted equipment or accessories

Whether a particular trailer can be included under the motor policy depends on the insurer and how it is used.

Tools and equipment #

Tools, stock and portable equipment carried in a vehicle should not be assumed to be covered by the motor policy.

Some Commercial Motor policies may provide a limited benefit, but the limit and conditions vary.

More comprehensive protection may be available through General Property Insurance.

Theft cover can be subject to conditions involving:

• Locked vehicles
• Secure storage
• Evidence of forced entry
• Overnight storage
• Where the vehicle was parked
• Individual item limits
• Specified high-value items

Tell us what is normally carried in the vehicle and its approximate replacement value so the available cover can be reviewed.

Contact our team if you need help insuring a trailer, tools or equipment.