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I pull a total load of approx. 1350 kgms of trailer and boat. The trailor is unbraked yet the stamp on the two cars I use are both rated to tow 750klgms unbraked and 2500klgrms braked. The land transport law states there is no legal requirement to comply with manufacturers reccomendations and that the law states you should be able to stop within a certain distance at a certain speed and not exceed 2000klgms if unbraked. I do comply with the rode code but not the car manufacterers requirements. Should I get my trailer braked or am I wasting a lot of money? What would the insurance implications be if an accident accured? The cars we use are not small, a V6 3.5 commadore wagon and 4 ltr 6 cylinder Ford Explorer (both have similar tow ratings)

I would advise you do not exceed the manufacturing safe towing capacity for braked or unbraked trailers/loads. The vehicle must be able to stop within 7 metres at 30km/h by law - failing to do so would be breaking the law. Your insurance company would expect you to be adhering to the vehicle manufacturers safe towing recommendations and to be towing legally. If you fail to do so the insurance company could reject the claim.
You are towing a load that is almost double the recommended towing load without a braked trailer and If you were to tow the load down a road like the Rimutaka's (as an example) it’s possible your vehicles brakes will struggle with all the extra weight, without the help of any trailer brakes, and you will struggle to slow down quickly. I would strongly suggest a braked trailer as the way forward.