Tool
Trailer and caravan
Does a trailer or a caravan need its own insurance?
Every trailer now has its own plate and needs its own policy. Enter the weights and see the licence you need.
- Yes.
- Every trailer and caravan has its own registration and plates, and law 5113/2024 counts it as a vehicle under compulsory insurance, coupled or not.
- No public figure gives its price, because the ΕΑΕΕ does not count it apart. A B licence tows up to 750 kg, or more if the pair stays within 3,500 kg.
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What changed for trailers
Until 2021 a light trailer ran on a repeat plate of the car that towed it. Decision 2805/2021 (Β΄ 99), as decision 292015/2021 (Β΄ 4966) changed it, gives every trailer its own registration and plates, and the holders of an old special towing note had a deadline to get them.
Law 5113/2024 transposed Directive 2021/2118 and rewrote the definition of a vehicle in decree 237/1986: every trailer used with a car is a vehicle under compulsory insurance, coupled or not.
What it does not cover
Trailer insurance covers damage to third parties, not its load. For a boat on the trailer, ask about a land transport extension. The boat comparison. For a breakdown on the road, see roadside assistance too. The roadside assistance comparison.
How we work it out
The licence follows article 4 of Directive 2006/126: B tows up to 750 kg, or a heavier trailer while the pair stays within 3,500 kg. Up to 4,250 kg it asks for code 96, and above that category BE, for a trailer of up to 3,500 kg.
The price of a motorhome comes from the motor insurance statistical yearbook of the ΕΑΕΕ for 2024. The yearbook counts it with the private trucks, and for them it gives how often a liability claim happened, what it cost on average, and the loss ratio. Frequency times cost, divided by the ratio, makes €230 a year, without taxes, for the whole country. For a trailer or a caravan the yearbook has no row, and we show no figure. The vehicle insurance check.
Sources
- Law 5113/2024, article 3: the definition of a vehicle in decree 237/1986, with every trailer, 2024
- Presidential Decree 237/1986, compulsory motor third-party liability insurance, 1986
- Ministerial decision 292015/2021 (Β΄ 4966): the change of 2805/2021 on the registration and plates of every trailer, 2021
- Στατιστική Επετηρίδα Ασφάλισης Αυτοκινήτων ΕΑΕΕ : 2024, 2025
- Directive 1999/37/EC on registration documents, Annex I: the codes of the registration certificate, 1999
- Directive 2006/126/EC on driving licences, article 4 paragraph 4, 2006
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Frequently asked questions
What people usually ask
01 Does a trailer under 750 kg need its own insurance?
Yes. Decision 2805/2021, as decision 292015/2021 changed it, gives it its own registration and plates, and law 5113/2024 counts every trailer as a vehicle under compulsory insurance. Ask your insurer for a separate policy for the trailer.
02 Which licence do I need to tow a trailer?
With a B licence you tow a trailer of up to 750 kg, or a heavier one if the pair with the car does not exceed 3,500 kg. Up to 4,250 kg you need code 96 on your licence, and above that category BE, for a trailer of up to 3,500 kg.
03 How much does trailer insurance cost?
No public figure gives a price for a trailer or a caravan: the statistical yearbook of the ΕΑΕΕ does not count them apart. Ask the insurer of your car for a price, and one or two more.
04 Does the trailer insurance cover the boat on it?
No. The trailer is the vehicle, and the boat is the load. You need an extension of the boat policy for land transport, or separate transit cover.
05 How is a motorhome insured?
Like a car, with its own registration and policy. The ΕΑΕΕ counts it with the private trucks, which paid €230 a year on average for liability in 2024, without taxes. Above 3,500 kg it needs a C1 licence.