Temporary trailer/semi-trailer insurance: what you need to know
Temporary trailer/semi-trailer insurance provides legal coverage for a trailer used occasionally. Choose the appropriate category, duration, coverage, and documentation to avoid unpleasant surprises.
Do you need to insure a trailer or semi-trailer for just a few days? Whether it's for moving goods, renting equipment, or for one-off transportation, temporary insurance often seems like the best solution. But what are the legal rules, costs, required guarantees, and how can you avoid paying for unnecessary services? This article will help you make the right choice and ensure you're covered effectively.
What is temporary trailer/semi-trailer insurance?
A temporarily insured trailer (or semi-trailer) refers to a towed non-motor vehicle, covered for a limited period (often from 1 to 90 days at KT Tempo). Used for occasional use – moving, rental, exceptional transport – this insurance allows you to be in compliance without committing to the long term.
Categories, permits and regulations
- Category according to the PTAC (Authorized Total Weight) : light trailers (≤ 750 kg), heavier trailers, semi-trailers; the insurance regime may differ.
- License required : according to the combined PTAC (license B, B96, BE, etc.).
- Legal obligations : civil liability essential, even for temporary use.
- Special cases : seasonal use, transport of goods, unregistered or imported trailers.
Cost estimates by duration & category
| Category | Current duration | Use | Estimated Temporary Cost* |
|---|---|---|---|
| Light trailer (≤ 750 kg) | 1 day / 7 days | Particular | ≈ 15-30 €/day, discount for weekly discount |
| Semi-trailer / heavy trailer | 1 to 15-30 days | Professional | Higher cost depending on use, area, guarantees |
| Extended use (30-90 days) | Monthly or seasonal use | Professional or occasional | Best monthly or flat rate pricing |
*Indicative estimates based on current offers. Actual prices vary by location, category, warranties, etc.
Essential guarantees & points of vigilance
- Civil liability (mandatory)
- Theft / fire / material damage according to the formula
- Assistance/towing if applicable
- Protection of transported goods (if goods are used)
- Common exclusions: overloading, undeclared use, competitive use, off-road damage.
Necessary documents and procedures
- Registration document or purchase invoice, registration certificate as applicable
- Appropriate driving license (depending on the trailer category)
- Proof of no claims if requested
- Declaration of use (goods transport, personal use, duration)
- Status (owner, tenant, loan, etc.)
Why choose KT Tempo?
- Fully online and fast subscription
- Immediate certification after payment
- Flexible durations from 1 to 90 days depending on your usage
- Transparent pricing according to category & guarantees
- Personalized advice for specific cases (semi-trailer, import, professional use)
Conclusion
If you use a trailer or semi-trailer occasionally, temporary insurance is a smart solution: it allows you to comply with regulations, pay only for the time you use it, and avoid unnecessary annual insurance costs. By knowing your legal obligations, the relevant guarantees, the documents you need to provide, and the associated costs, you can make an informed decision. With KT Tempo , subscribing is simple, fast, and reliable.