Trailer Insurance in Manitoba

Get reliable trailer insurance coverage tailored to you with Brokerlink.

Owning a trailer in Manitoba can mean a lot of things. Maybe you enjoy using your travel trailer to camp in the summertime with your family, or maybe you have an enclosed cargo trailer that keeps your tools safe while you're on a job site. Or, maybe you have a horse trailer that helps you transport livestock to and from your farm. Whatever you're hauling, having it registered with Manitoba Public Insurance (MPI) is just step one. That doesn't guarantee comprehensive protection against all damage, theft, or loss of items. That's where BrokerLink comes in. We're here to help fill those gaps with customized trailer insurance policies that keep you covered on and off the road.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is trailer insurance?

Trailer insurance is a type of coverage specifically designed to offer financial protection for your trailer against risks that Manitoba Public Insurance (MPI) basic plate insurance doesn't cover. While MPI requires trailer registration and provides some liability coverage while your trailer is attached to your truck, it does not offer coverage for:

Theft of the trailer itself.
Vandalism, fire, or hail damage.
Damage to your trailer while it is parked or unhitched from your truck.
The replacement of personal belongings stored inside your trailer.

That's where private insurance comes in. These policies can be tailored to the type of trailer you own and how you use it. Ultimately, you get to choose the policies you add to your private insurance package--sort of like how insurance for your personal vehicles works.

Why you need trailer insurance

If your trailer leaves your driveway, it requires insurance. In Manitoba, there are numerous risks on and off the road that you can experience, whether you're prepared or not:

Theft: Locked utility trailers are often targets of equipment theft that can lead to thousands of dollars in uncovered losses without private insurance in place.
Weather: Manitobans are no strangers to extreme prairie hail and windstorms that can severely damage your trailer within minutes. In 2024 alone, Manitoba hailstorms cost the province $60 million in May, according to Insurance Canada.
Storage risk: A parked trailer in your yard or driveway can still be damaged by fires, falling trees, and other weather-related incidents.
Travel essentials: RVs and campers need coverage for contents like fridges, solar panels, and other items that MPI won't cover.

Trailer insurance in Manitoba

According to MPI, there are over 130,000 trailers registered across Manitoba. While MPI registration provides owners with the legal right to tow their trailer, it doesn't offer full coverage. That's why most purchase additional insurance through private insurance companies to supplement their plan.

MPI basic liability is designed for compliance with road safety standards and is not intended to protect your investment. But with private trailer insurance, you can get the peace of mind you need.

Third-party liability insurance protects you if your trailer is hitched to your insured vehicle and it causes property damage or injuries to a third party. For example, if you are travelling to your camping destination and you get into a collision with another truck, and your trailer happens to damage their vehicle, this policy will cover repairs, replacements, medical expenses, and legal fees.

Collision coverage protects your trailer if it's damaged in an accident you caused. For example, if you're towing your tent trailer to Riding Mountain National Park and accidentally hit the guardrail, this policy will cover any repair or replacements needed, after you've paid your deductible.

Comprehensive insurance protects you against non-collision-related perils. Common perils included in this policy include theft, vandalism, hail, wind, falling objects, and fire damage. For example, if your mobile home is broken into and vandalized in your driveway, this policy would cover the cost of repairs and replacements to your mobile home if required. Again, all you will need to pay is your deductible.

Contents and accessories coverage protects things like camping gear, appliances, solar panels, bike racks, kayaks, tools, equipment, and other items you may store in your trailer from theft and damage.

For example, let's say you're a landscaper in Brandon, Manitoba who stores your tools and equipment in your trailer. One day, while you're at your client's home, your tools are stolen from your locked trailer, costing you $10,000 in losses, which your insurance company will cover to ensure you don't experience any financial strain following the incident.

What if your trailer isn't attached to your truck and still manages to cause third-party damage or injuries? Believe it or not, it happens more often than you think. For example, if your unhitched trailer rolls down your driveway and damages a parked vehicle on the street below, you'd be responsible for repair costs. That's where detached liability insurance comes in, covering repairs, replacements, medical costs, and legal fees.

Unless used for commercial purposes, most Manitobans don't use their trailer throughout the winter. With storage-only coverage, this policy allows you to suspend your road liability coverage, but keep theft, fire, and weather protection during the off-season. Ultimately, this endorsement is a great way to save money while ensuring your trailer is still protected, whether you store it in a storage facility, barn, or garage.

Imagine you're on a road trip with your family to Whiteshell Provincial Park, and your trailer is damaged in a storm that renders it unsafe to sleep in. It's situations like these where emergency travel coverage comes in handy. This policy will help pay for alternative accommodations, rental costs, and transportation back to your home if your RV is damaged during your vacation.

Imagine being stranded on the side of a Manitoba highway with no help in sight. This is where roadside assistance comes in. Roadside assistance coverage will provide emergency towing services, battery boosts, help with flat tires, and lockouts if you lose your keys.

Let us be your resource for all things trailer insurance

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Why BrokerLink

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

Our Manitoba Reviews

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Greg Silver

Excellent service, rates and customer service. Highly recommended.
Andy Rohansingh

Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
Ian Roome

I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Clara Furlano

Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
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I have been with BrokerLink for over 5 years and have never been disappointed; my issues have been always solved promptly and efficiently, they even found me a cheaper motor insurance with same qualit...
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I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
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Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
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The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
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What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
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Our numbers speak for themselves

Ways to save on trailer insurance

Trailer insurance in Manitoba doesn't have to break the bank. With a little planning and some practical tips and tricks, you can reduce your premiums without cutting back on coverage for your trailer. Here's how:

Discounts

Bundle your insurance policies

One of the easiest ways to reduce your insurance rates is by bundling your insurance policies with the same provider. Bundling your trailer insurance, home insurance, and auto insurance can help you save up to 15% off of your premiums.

Ask about discounts

Most insurance providers offer limited-time discounts for different reasons. Whether it's for installing security features on your trailer or being a loyal customer, it doesn't hurt to ask whether you qualify for additional savings.

Savings Options

Opt for a higher deductible

While you won't be able to choose the deductible you receive for liability insurance through MPI, you can choose your own deductible amount when you choose to insure your mobile home, fifth wheel, or other trailer through private insurance. By increasing your deductible, you can lower your rates slightly, but you will need to pay more out of pocket if you need to file a claim in the future.

Pay for your insurance coverage up front

Insurance companies add a 3% - 5% surcharge to customer accounts who choose to pay monthly. The reason behind this is that it costs your insurance company money to process each of your payments, so they put this cost back on the customer. A simple way to avoid this surcharge is by paying for your premium upfront.

Declare trailer usage accurately

How you use your trailer has a big impact on your insurance rates. For example, a trailer used seasonally for camping will be a lot cheaper to insure than a utility trailer used year-round. Make sure to be honest with your insurance company about what you use your trailer for, as it will help you avoid paying for unnecessary costs.

Avoid unnecessary coverage

While it may be tempting to over-insure your trailer, doing so can skyrocket your insurance rates. For example, if your trailer is only worth $1,200, it may not make sense to pay for comprehensive insurance that is going to cost you an extra $300 a year. A BrokerLink advisor can help you decide what coverage is actually essential for your needs.

Use seasonal/lay-up coverage

If your trailer is parked in your driveway for more than half the year, you may want to consider opting for seasonal or lay-up coverage. This will help you reduce your liability costs while maintaining your theft, vandalism, weather, and fire damage throughout the wintertime, so you still have peace of mind while saving money.

Work with an insurance broker

Insurance brokers in Manitoba are industry experts who work independently from providers. This gives them the ability to shop around on your behalf, review coverage options and quotes, and customize an insurance plan that fits your unique needs.

Factors affecting the price of your trailer insurance premiums in Manitoba

When it comes to trailer insurance in Manitoba, there really isn't a one-size-fits-all solution or price tag. Your insurance rates will vary depending on several factors that will determine your overall risk profile. The higher your risk profile, the more expensive your pricing will be. Typically, insurers will look at the following factors:

Trailer type and use (RV vs enclosed cargo vs utility)

Not all trailers are built the same. Therefore, the type of trailer you have and how you use it matters. For example, a lightweight utility trailer that carries yard clippings a few times out of the year is far less risky to insure compared to a luxury fifth wheel RV with modifications and upgrades that's used year-round. Insurers will also look at length, security features, and more.

Value + age of trailer

The more your trailer model is worth, the more it will cost to insure it. For example, a brand-new cargo trailer that's valued at $15,000 will cost more to insure than a 10-year-old model that's worth $3,000, as it will cost more to replace in the event of a total loss. That said, older trailers aren't always cheaper to insure, given that parts may be harder and more expensive to secure, which can also increase your premiums.

Storage method (garage vs outdoor lot)

Where and how you store your trailer is also important when determining rates. For example, storing your trailer in a secure garage or storage facility is less risky than having it in your driveway or yard. Insurance companies, therefore, need to note where you park your trailer to determine how likely it is to experience things like theft, fire, weather, and other related damages.

Year-round use vs seasonal

Do you use your trailer only in the summer to visit one of the many national parks across Manitoba or the rest of Canada? Or are you actively using it throughout the year? Seasonal usage often qualifies drivers for lower premiums, while year-round drivers can anticipate paying more for their coverage

Contents stored inside

What's stored inside your trailer also matters. Most providers will ask about the contents of your trailer, as high-value items are more risky to insure than trailers that are empty. Additionally, adding content coverage to your trailer also increases your rates, as you're adding more protection to your plan.

Deductible and add-ons

Finally, your deductible and coverage add-ons will also play a big role in your insurance premiums. While higher deductibles can lower your premiums slightly, it will increase the amount you need to pay if you file a claim. Additionally, opting for optional policies will increase your premiums, but it offers your wheels more financial protection. The key is to balance costs and coverage.

Additional information you should know

Still have questions about trailer insurance in Manitoba? Here's some more information we know you'll find useful:

Home insurance and trailer insurance

What many trailer owners seem to forget is that their home insurance policy often limits the amount of coverage it extends to any trailers, if not excludes trailer coverage altogether. For example, if your trailer is parked on your property and is damaged during a serious storm, some home insurance policies may offer limited coverage if your policy outlines your trailer as a "detached structure." But it's important to note that this protection is often inadequate and won't fully reimburse you if something happens. That's why it's always a good idea to review your specific policy to avoid coverage gaps.

Filing an insurance claim for trailer damage

Even with rigid precautions in place, accidents and unexpected incidents can still occur. Luckily, with the right insurance in place, you can claim losses and damages with your insurance company and be reimbursed for these losses. Here's what you need to do:

Document the damage: As soon as the damage or loss occurs, you'll need to document it thoroughly. Take lots of photos and videos, record the date and time, and get a copy of the police reports if you notify the authorities.
Collect contact info: If others are involved in the incident, make sure to get a copy of their information, including any potential witnesses.
Contact your insurance company: Timing matters. Call your insurance provider as soon as possible to start your claim. They'll walk you through your policy, inform you what your deductible is, and answer any questions you may have.
Work with your adjuster: Your insurance company will assign an adjuster to your claim. Depending on your coverage, they may ask you to get a quote from an approved repair shop. They'll also ask for additional information in some cases, and set up a meeting to see the damage in person.
Get a quote approved: Once you've had your trailer inspected, submit your quote with your insurer and wait for approval. Once your adjuster gives you the go-ahead, you can have your trailer repaired.
Get reimbursed: Now that repairs are complete, your insurance company will provide you with compensation for your repair costs. They'll either direct-deposit the money into your account or send you a verified cheque in the mail.
Close your claim: Finally, after you've been reimbursed, your adjuster will provide you with release documents to sign. These documents state that once signed, you will no longer be able to pursue your claim further.

Have further questions? Contact a BrokerLink advisor today!

Get affordable insurance coverage for your trailer with BrokerLink

Whether you're towing an RV across Manitoba, hauling tools for work, or storing your trailer in your garage for the winter season, having the right trailer insurance in place offers financial security and peace of mind. At BrokerLink, we help trailer owners in Manitoba find affordable coverage that fits their needs and lifestyle. With access to numerous policies from some of Canada's top insurance providers, our brokers can help you shop around, compare quotes, and create an insurance plan that you feel confident in.

To work with an experienced broker from BrokerLink, reach out to us over the phone or by email to speak with someone directly. You can also get a free insurance quote using our online quote tool right now!

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FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

Is trailer insurance mandatory in Manitoba?

No. Basic insurance through an Autopac agent is legally required. However, private insurance is optional, but still highly recommended.

Can I cover the tools in my cargo trailer?

Yes, you can cover your tools stored and transported in your cargo trailer by adding a contents endorsement to your insurance plan.

Can I lend my trailer to a friend? Am I still covered?

It really depends on your insurance and what your specific policy documents outline. Contact your broker or provider directly to speak about your specific policy.

Is RV/travel trailer coverage different from utility trailers?

Yes. Because RVs and utility trailers are used differently, they will need specific coverage to ensure they're protected.

Does MPI cover trailer theft or fire?

No. MPI's basic Autopac coverage does not cover you against theft, fire, hail, vandalism, or other events. It only offers basic liability insurance for when your trailer is hitched to your vehicle.

Do I need insurance if I only use my trailer in the summer?

Yes, you will still need the minimum MPI registration coverage. If you do choose to purchase optional coverage, you can reduce your rates by opting for seasonal insurance instead of a year-round policy.

Will insurance cover damage while in storage or unhitched?

Yes, but only if you purchase storage-only or detached liability insurance, which needs to be purchased through a private insurance business.

Is trailer insurance mandatory in Manitoba?

No. Basic insurance through an Autopac agent is legally required. However, private insurance is optional, but still highly recommended.

Does MPI cover trailer theft or fire?

No. MPI's basic Autopac coverage does not cover you against theft, fire, hail, vandalism, or other events. It only offers basic liability insurance for when your trailer is hitched to your vehicle.

Can I cover the tools in my cargo trailer?

Yes, you can cover your tools stored and transported in your cargo trailer by adding a contents endorsement to your insurance plan.

Do I need insurance if I only use my trailer in the summer?

Can I lend my trailer to a friend? Am I still covered?

It really depends on your insurance and what your specific policy documents outline. Contact your broker or provider directly to speak about your specific policy.

Will insurance cover damage while in storage or unhitched?

Yes, but only if you purchase storage-only or detached liability insurance, which needs to be purchased through a private insurance business.

Is RV/travel trailer coverage different from utility trailers?

Yes. Because RVs and utility trailers are used differently, they will need specific coverage to ensure they're protected.

Vehicle Insurance

Property Insurance

Other Insurance

Trailer Insurance in Manitoba

What is trailer insurance?

Why you need trailer insurance

Trailer insurance in Manitoba

Third-party liability insurance

Collision coverage

Comprehensive insurance

Contents and accessories

Detached liability insurance

Storage-only coverage

Emergency travel coverage (for RVs)

Roadside assistance

Third-party liability insurance

Collision coverage

Comprehensive insurance

Contents and accessories

Detached liability insurance

Storage-only coverage

Emergency travel coverage (for RVs)

Roadside assistance

Why BrokerLink

Our Manitoba Reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Ways to save on trailer insurance

Discounts

Bundle your insurance policies

Ask about discounts

Savings Options

Opt for a higher deductible

Pay for your insurance coverage up front

Declare trailer usage accurately

Avoid unnecessary coverage

Use seasonal/lay-up coverage

Work with an insurance broker

Factors affecting the price of your trailer insurance premiums in Manitoba

Trailer type and use (RV vs enclosed cargo vs utility)

Value + age of trailer

Storage method (garage vs outdoor lot)

Year-round use vs seasonal

Contents stored inside