Trampoline Insurance

Most home insurance policies cover a garden trampoline under your contents cover, up to whatever limit applies to items kept outside. That limit is often low. Some insurers exclude trampolines entirely. If someone is injured on it, your personal liability cover is what responds, but only if you were legally at fault.

Here’s what you need to know.

Does home insurance cover trampolines in the UK?

It can, but not automatically. A garden trampoline is typically treated as contents kept outdoors, sitting under your garden contents or “contents in the open” section. Cover is subject to whatever single-article and total garden limits your policy sets, and those limits are often lower than you’d expect.

Some insurers exclude trampolines from garden contents outright. Others include them without a fuss. Either way, the place to check is your policy wording, not an assumption.

What does contents insurance typically cover for a trampoline?

Incident	Typically covered?
Theft from your garden	Yes, up to your garden contents limit
Fire or storm damage to the trampoline	Yes, subject to garden contents limit
Accidental damage to the trampoline	Only if accidental damage cover is included
Personal liability if a guest is injured	Yes, if you’re found legally negligent
Trampolines excluded by your insurer	No cover at all
Second-hand trampolines with no proof of value	May be harder to claim, keep receipts

Pro tip:

Check your single-article limit, not just your garden total. A £600 trampoline under a £2,000 garden limit still won’t pay out in full if the single-item cap is lower. Check with your insurer to confirm both figures.

Will a trampoline increase my home insurance premium?

For most UK insurers, no. A garden trampoline isn’t usually a rating factor the way a flat roof or a previous subsidence claim is, and you’re unlikely to see your premium move because of one.

What can change is your cover, not your price. A minority of insurers exclude trampolines from garden contents altogether, and a few will ask about them at quote stage. If you’re asked, answer honestly. That’s the whole of your legal duty, and getting it wrong is far more expensive than any premium difference.

If you’re comparing quotes, the question worth asking isn’t “will this cost me more?” It’s “is the trampoline covered, and up to how much?”

Do I need to tell my insurer about my trampoline?

UK consumer home insurance is governed by the Consumer Insurance (Disclosure and Representations) Act 2012 (CIDRA). Your duty is to take reasonable care not to make a misrepresentation when your insurer asks you a question. Their duty is to ask clear questions in the first place. You’re not expected to volunteer every detail they never asked about.

In practice: if your quote form asks about garden contents, high-risk items, or play equipment, tell them about the trampoline. If you’re unsure whether a question covers it, ring them and ask. It takes minutes.

Get it wrong and the consequences depend on how you got it wrong. An honest mistake usually means a proportionate outcome, a reduced payout or terms adjusted to what they’d have offered had they known. Deliberately hiding it is different: your insurer can treat the policy as though it never existed, and that affects every claim, not just trampoline ones.

What does contents cover include for a trampoline?

Your contents cover may extend to garden equipment under a garden contents or “contents in the open” section. Here’s what that typically looks like in practice:

• Theft, fire and other insured perils are usually covered for items kept outside, up to your policy’s garden contents limit
• Payout limits for outdoor items are often lower than for items inside your home, so a high-value trampoline may only be partially covered
• High-risk items like trampolines are sometimes excluded entirely, even if other garden equipment is covered
• Not sure where you stand? Check your policy wording, or ring your insurer directly. They can confirm in minutes.

Some insurers do set safety recommendations for trampolines, such as using a fitted net enclosure and anchoring the frame. These are worth following regardless of what your policy says, because a proper safety net and secure anchoring genuinely reduce the chance of a nasty accident, or a storm sending the whole thing airborne into next door’s garden.

Pro tip:

Photograph the trampoline assembled, with the net fitted and anchors in the ground, and keep the receipt. If you ever need to claim, or prove you weren’t negligent, that photo does more work than any policy wording.

Am I liable if someone is injured on my trampoline?

Possibly, but you’re not automatically liable just because it happened in your garden.

Under the Occupiers’ Liability Act 1957, you owe visitors a duty to take reasonable care that they’re reasonably safe. If a child is hurt on your trampoline and you’ve done the sensible things, net fitted and intact, anchored in the ground, no obvious defects, you may well not be negligent at all. If the net was torn and you knew it, that’s a different conversation.

There’s extra consideration with children. Courts treat a trampoline as what’s known as an allurement, something so obviously tempting that a child can’t reasonably be expected to stay away from it. That means the standard of care expected of you is higher when children are around, including children who weren’t invited.

If you are found liable, the personal liability section of your home insurance is what responds. It’s usually one of the highest limits on the policy and covers both the compensation and your legal costs. Check your own policy for the exact figure.

💡 Did you know?

Trampolines send around 13,000 people to A&E in England every year, and 60% of those injuries happen when more than one person is bouncing at the same time. One at a time is the simplest rule you can follow.

Storm damage and your neighbour’s property

If a storm lifts your trampoline over the fence and it damages your neighbour’s shed, greenhouse, or garden office, the usual route is that they claim on their own home insurance. Storm is a standard peril on most UK buildings policies, and garden offices are often covered under a buildings or garden buildings extension.

Their insurer may then come to you to recover what they paid, but only if you were negligent. An anchored trampoline that moved in an exceptional gust is bad luck. An unanchored one that moved in a forecast 50mph wind is harder to defend, and that’s where your personal liability cover would be tested.

As for the trampoline itself, storm damage to garden contents isn’t always covered. Check whether your contents cover includes storm or accidental damage to outdoor items, and whether the trampoline’s value falls within your garden contents limit. 

Anchoring takes twenty minutes and costs almost nothing. When a named storm is forecast, take the net off and fold the trampoline down, or tie it to something that isn’t going anywhere.

What if you rent your home?

A trampoline in a rented garden raises two separate questions.

First, your tenancy. Many agreements require the landlord’s permission before you put up anything semi-permanent in the garden, and anchoring a trampoline usually qualifies. Check before you buy, and get the yes in writing.

Second, your insurance. Your landlord’s policy covers the building. It does not cover your trampoline, and it does not cover your liability if a guest is injured on it. That’s contents insurance with personal liability, yours to arrange, not theirs.

What if your insurer excludes trampolines?

Some insurers simply won’t cover trampolines, full stop. If that’s what you find, you’ve got a few options.

• Shop around. Not every insurer treats garden trampolines the same way. Some are much more accommodating, particularly if you can show you’re taking sensible precautions.
• Check standalone cover. Garden insurance as an add-on or separate policy is less common, but it does exist.
• Understand exactly what’s excluded. A trampoline exclusion might only apply to trampoline-specific claims, leaving the rest of your cover intact. Or it might be broader. Ask your insurer to confirm in writing if you’re unsure.

Before we go

Check your garden contents limit and single-article limit before assuming you’re covered. If your insurer asks about garden contents or play equipment, answer accurately. Fit a safety net, anchor the frame, and take the trampoline down when serious wind is forecast. If someone is injured and you’re found legally at fault, your personal liability cover is what responds, but only if you’ve been straight with your insurer from the start.

If you’re with Lemonade, checking your garden contents limits is quick and straightforward. And if you’re not yet covered, it’s worth seeing what a home insurance policy built for the modern world looks like.

Trampoline insurance frequently asked questions