Monthly Archives: June 2019

NFU Horse Insurance Review

NFU Horse Insurance Review

In this NFU Horse Insurance review the facts of just what this coverage provides the horse owner will be presented. NFU began back in 1910 when 7 farmers decided to form a union to increase their financial security. Today NFU has over 300 offices to assist their members. 

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What is covered with NFU Horse Insurance?

The following are included in every standard NFU horse insurance policy issued. 

  • There is coverage for the fair market value of the horse in case of death, it is stolen or strays away. 
  • If you have to be admitted to a hospital we will cover the livery fees of up to £10 a day with a total not to exceed £1,000.
  • If your horse becomes ill or is hurt and needs life saving surgery then you will be provided with up to £1,000 to cover the cost of canceling your holiday.
  • Legal advice and help covering the cost of fees associated with being legally represented up to £50,000 in an event related to your horse.
  • There is a 24 hour hotline you will have access to so you can get advice and assistance from NFU.

What are the optional coverage items with NFU Horse Insurance?

The following are items a person can choose to have the insurance policy is tailored to their needs.

  • Personal Liability coverage can be included with the lower level being £2.5 million and the upper limit at £10 million.
  • After your policy is in place and the premium paid, veterinarian fees of up to £5,000 are available in case your horse is injured or becomes ill. 
  • If your horse becomes disabled from illness or injury and unable to be used as intended in its duties you will receive the agreed to sum in the insurance policy.
  • Coverage for riders that are injured while on your horse. The person injured must be between the ages of 5 and 75.
  • The tack, horse trailer and any horse drawn vehicle can also be included with coverage.

For a quote from NFU mutual visit their web site. Like other companies you will have the option to purchase separate insurance policies. The common categories are veteran horse insurance, horse and rider insurance and some brokers will offer young rider insurance again as a separate policy. In additional these equestrian brokers will provide horsebox insurance. Some will merge all your requirements into a single equestrian insurance policy. This will make it easier to manage and should also work out cheaper.

In conclusion

NFU Horse Insurance covers all the basics and options a horse owner might need or want. Unlike other insurance companies that issue policies for clients, NFU issues policies to their members. As a horse owner and or farmer you can become a member.

NFU also provides a detailed PDF pamphlet that goes into full detail about what is covered and what is not including no coverage in case of war or radiation damage to the horse.

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June 1, 2019

How to Maintain your Horsebox

How to Maintain your Horsebox

The Horsebox upkeep and maintenance is necessary to prevent a breakdown on the road with your horse in tow. Taking proper care of your horsebox will also help to protect your horse from accidentally being injured because of a poor maintenance schedule of your horsebox. In addition to maintenaence take out a good level of horsebox insurance to protect aginst loss or damage.


What should be checked before loading your horse into the box?

A pre-trip inspection of your horsebox will help to ensure you and your horse will make it to the destination without a problem occurring. Things to look at include;

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  • Check the tires for proper inflation and there is enough tread on them so a blowout does not occur. This has to include the spare tire.
  • The condition of the floor boards should be noted. Cracked and broken boards should be replaced before they become so weak the horse would fall through it. If mats are on the floor in the horsebox they should be removed so the floorboards can be properly inspected.
  • Look for any nails or screws in the sides, ceiling and floor that are exposed or not completely in. This could injure the horse and also cause the area to become insecure because it is no longer properly anchored. 
  • Check the lights in and on the horsebox to make sure they are properly functioning.
  • Make sure the chocks are in proper condition so they will not allow the trailer to move when it is unhitched from the tow vehicle.
  • Inspect the hitch for any weakness or cracks in the welds and any unsafe condition that might be apparent.
  • Check the chains for structural integrity so they will preformed properly just in case the hitch fails.
  • On the tow vehicle make sure the tow ball is properly greased so the hitch will not bind while under pressure.

Bi-annual inspection

There are items that do not need to be checked before each time you use the horsebox, but should be added to the list of inspection on a bi-annual basis to make sure of the structural integrity of the box.

  • The frame on which the horsebox is set upon should be checked for structural integrity. This has to include cracks in the welds, cross members that might be bent and that hold-down bolts are secure.
  • Look for rusted or damaged sheet metal and replace it.
  • Check for any loose and frayed wires and damage to the conduits. Repair or replace any that are damaged.
  • Lubricate all hinges, slinging panels, sliding windows, springs and make sure they are in proper working order.
  • Inspect the brakes and all cables associated with the system. During the brake inspection repack the wheel bearings.

What to do after each use of the horsebox

After you return home from a show and unload the horse, the horsebox has to be cleaned. This includes removing all the mats if present from the interior and power washing both the interior and exterior of the trailer along with any mats used on the interior.

After the horsebox has been cleaned, it has to be dried. Wood will rot if left wet and metal will rust. The metal parts can be wiped down with a shammy while the wood can be dried by placing a fan on it.

By performing the proper Horsebox upkeep and maintenance on a regular basis you will always know the condition of it. This makes it more likely you will get to where you are going and back again successfully unless you have an unforeseen blowout. 

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