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June 19, 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. 

nfu horse insurance

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.

horse

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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March 23, 2019

NFU Horsebox Insurance Review

NFU Horsebox Insurance Review

NFU Mutual Horsebox Insurance is financial protection for you horsebox or horse trailer. NFU Mutual has more than 300 branch office across the UK to serve their clients. They do make it possible to take out a policy over the phone, but are happy and prefer for their new clients to go to one of the many offices for a personal consultation on your horsebox insurance requirements.

nfu horsebox insurance

What does a NFU Horsebox policy cover?

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  • Third party fire and theft protects the owner if they are at fault in an accident and covers the repairs of the other vehicle along with the medical bills of the occupants of the other vehicle. Your vehicle will be protected from being stolen or damaged due to a fire or theft.
  • If your horsebox is stolen or damaged by fire beyond repair the fair market value of the horsebox will be paid out.
  • The Legal Liability coverage is up to £5 million when a lawsuit is brought up against you for damage to another person’s property and or their medical bills.
  • Legal protection up to £100,000 that will cover legal advice and legal costs including court costs and attorney fees.
  • Emergency Hotline access is 24 hours.

What additional coverage you can add to a NFU Horsebox insurance policy?

These are additional items you can have included with your policy that will increase the cost of the premium, but will bring you peace of mind.

  • Breakdown coverage will help transport your horsebox if it becomes disabled for any reason and temporary accommodation will be provided for both you and your horse. This can include the UK and EU. The vehicle must be 19 years old or newer.
  • Coverage while transporting your horse in the EU.
  • You can have protection for any horsebox or other trailer covered in the policy just as long as it is listed in the policy.
  • The No Claims Discount is protected.

NFU Horsebox Insurance policies available include third party and third party fire and theft. There is no comprehensive coverage offered. Policies and quotes are provided in person and over the phone, but not available online. The additional options do not dramatically increase the premium cost, but does provide peace of mind for the owner.

To find the best deal for your requirements compare the available options by using comparative web sites that are specialists in horse trailer and horsebox cover. One final word of advice is to carefully read your policy and know just what is covered.  Get started click the purple button below to get multiple quotes for horsebox insurance, horse lorry insurance or horse trailer insurance.

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January 15, 2019

Best Car for Towing a Horsebox

best truck for towing

The best car for towing a Horsebox is a two wheel drive so the weight of the vehicle can be kept down which increases its towing capacity in most instances. What should be known is that with a regular driver’s license the maximum amount the vehicle and trailer can be is 3500 kg each to be legal on the road while towing a horsebox. For more information please click here for more answers to towing a trailer.

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Why use a Car and not a Truck for Hauling a Horsebox?

Many farmers use their lorry for hauling the horsebox to and from events. The use of a car was not considered in the past, but that has changed with the new breed of crossover vehicles. Many vehicles like the Mercedes GLS and G-Class vehicles that can handle a 3500 kg towing load and have additional equipment that makes hauling a horsebox easier. This includes locking differentials and a trailer stability system that detects any instability of the trailer like fishtailing and can make corrective adjustments to bring the horsebox back into control with the tow vehicle.

For many the crossover vehicles are also more luxurious and comfortable to ride in. For that reason many like to use an Audi Q7 for towing their horsebox. Not only does it have a towing capacity of 3500 kg, but comes equipped with trailer assist system. This systems monitors the angle of the trailer to the vehicle so the driver can back up the horsebox and let the system handle the steering so a successful position is accomplished every time.

The Toyota Land Cruiser 200 Series has a towing capacity of 3500 kg along with many safety features including blind spot monitoring, rear cross traffic alert system along with a rear camera to assist in reversing the trailer into a stall. A tow bar and trailer braking system has to be added after it is purchased if the vehicle is new so hooking up the horsebox is possible.

The Nissan Patrol is another vehicle that has a towing capacity of 3500 kg. The Y61 model line is the preferred choice by many countries for military use. There is computer assisted braking along with stability control system to help the driver tin maintain control of the vehicle at all times. There is also an Intelligent rear view mirror to assist in reversing the trailer along with tire pressure monitoring to help alert the driver of an unsafe condition if one is present.

Why use a Car and not a Truck for Hauling a Horsebox?

Picking the right car for towing your horsebox is generally dependent in the size of your horsebox. To help keep you safe, the vehicle used for towing should be the same size or larger than your horsebox in terms of length, width and weight. This will help the driver in maintaining control of not only the tow vehicle, but the horsebox. This will help keep the passengers safe and help in reducing the cost of the insurance to cover both the horsebox and the tow vehicle.

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October 11, 2018

What Insurance is Needed for Towing

Towing is a Skill Learned with Plenty of Practice ( Off Road )

If you have lived on a farm towing trailers is probably second nature to you. However, for those urban dwellers that have never hitched up a trailer it will take some training and practice.  

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The most difficult part is reversing a trailer. To master this skill you need to get used to the fact that when reversing you must steer in the opposite direction that you wish the trailer to go in. In addition slight movements to the steering wheel are magnified in the change of direction of the trailer.

After plenty of off road practice it will become natural just like riding a bike. This new skill brings with it new opportunities, for example  towing a caravan or if you are a horse owner you can transport your own horse or horses to equestrian events.

Take note that when you fit a tow bar to your car or pickup it is classed as a modification and you must inform your insurance broker. 

On the question of what you can legally tow it will depend on a few factors including the vehicle weight, your age and how many years that you have been driving. Start by checking with the manufacturer as they usually indicate in the owner's manual the maximum towing weight and any other impacting factors.

Insurance Requirements for Towing a Horse Trailer

Do not make the often false assumption that your car insurance will also provide you with sufficient cover whilst towing a trailer. Some policies will offer some cover, but it will normally be limited and not comprehensive enough to cover all your expenses in the event of an accident. A if yosk yourself if your trailer was stolen would your car insurance payout?

Trailers of any description can be expensive and horsebox trailers are often built bespoke and fitted out with expensive gear. As such it is best to get a separate insurance policy specfice to your prized trailer and your towing purpose, business or pleasure.  

To find a range of quotes and cover options why not start by comparing horse trailer insurance with HorseinBoxInsurance. How? Click here and complete a simple online form and within minutes you will receive multiple insurance quotes for your horse trailer. 

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June 2, 2018

Safety Check List for Trailers

Trailer safety check

Keeping your horse trailer road worthy 

Horse trailers need regular checks and preventative maintenance to keep them in the best road safety condition. Below we have complied a list of the key checks that you as the driver should carry out on a regular basis, we would even recommend every time you hook up take 10 minutes or less to perform a trailer safety check.  Following these guidelines will help ensure you and your livestock are safe and also pose no danger to other road users. 

Some horse trailer insurance  policies have a clause that invalidates the insurance if the trailer comes unhitched from the towing vehicle in transit. Please do check with your broker have the clause retracted.

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Reflectors

Keep these clean at all times, secure, correct color and positioned correctly. Reflectors should be mounted between 15" and 60" from ground level. It is standard that all trailers should display 2 red reflectors mounted at the rear of the trailer, keep these as far part as possible.

Front and rear lights

Check all lights are working,  clean and securely mounted to the trailer frame. Minimum requirements are 2 rear stop lights and indicators. Additional lights can be mounted to side of the trailer to indicate lane changing or your intention to turn right or left. If possible use hand signals in addition.

Exterior spare Wheel

Often overlooked, make sure it is inflated  to the correct pressure and thread is at least 1.6 mm. All tire weight ratings must be adequate for the axle and load weight.

Vehicle to trailer coupling

Check breakaway cable is correctly and securely fixed and will not snag if called into action. 

Bodywork

Check all doors and windows for any signs of wear and tear, take note that the state of these can  act as a deterrent to any would be thief. All mud guards and fenders should be checked for any sharp edges as this is both dangerous and prohibited by UK law

Towing Mirrors

Check all towing mirrors are clean and mounted safely to the towing vehicle. They should not vibrate when in transit

VIN and Paerwork

All trailers must have Vehicle Identification Number (VIN) which must be physically verified against supporting paperwork.

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March 12, 2018

Buying a secondhand trailer

Secondhand Horse Trailer

Reducing the cost of buying a Trailer or Horsebox

Are you in the market for a horse trailer or a horsebox. Has looking at some of the asking prices for a new trailer depressed you?  Horseboxes in particular can be very expensive largely  because most have been made bespoke to an individual customer requirements. Horse trailers can also be pretty expensive, especially if the previous owner had splashed out and given it a star makeover. 

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On that note after you have made the big purchase do insure your take out a separate horse trailer insurance policy, as relying just on your car insurance will most likely not provide adequate cover. Most auto polices will at best only provide third party cover so go the extra step and take out cover specific to your trailer.

Secondhand might be the solution, but be careful

Have you considered second hand, like any commodity that is not built to last trailers will lose value over time. However, this is to your advantage as you can purchase a second hand trailer or fully equipped horsebox much cheaper than buying new.  

First Impression are important

Some of this advise can also be applied to horseboxes. First impressions are important and fall back on these if the owner is trying to persuade you that it will be a great investment with a little work here and there. Try to buy a transporter that is not only in good condition, but made of quality materials, aluminium over wood for example.

If time is on your side wait for until you find a good buy  

You may come across a model that you are after, but it is in need of a lot of attention. Unless you fully understand  and are willing to undertake this extra work it may be wiser to wait. If you have time this approach will most likely enable you to find that treasure, a near perfect trailer that has been lovingly cared for plus the current owner has a genuine reason for sale. 

Has it been stolen?

Another often overlooked piece of advise is to check if it has been stolen, all trailers like cars are securely marked by the manufacturer so check that the plate has an unique serial number and has not been reported stolen. For Ifor Williams trailers you can contact them direct to perform this check.

Is the suspension dodgy?

One simple check to help evaluate any underlying problems is to check the tires for uneven wear as this is a sure sign that the suspension needs fixing.

Recent spray job?

Has the trailer been resprayed recently?  This often is a measure taken to cover some bodywork problems so you need to treat with extra caution and dig deeper as to why.

Meeting in a car park should set alarm bells ringing

Do not agree to meet in some car park insist on going to the owners house, this should lessen chances of being conned out of your money.

Call in the experts for the final check

Before making the final decision complete a full mechanical check or have a mechanic complete this for you, the added expense may save you lots of money and heartache later.

Experience how it drives

If it passes the above to your satisfaction the final stage is a test drive, during this stage you can inquire further on the history of the vehicles past. For example when was it last serviced, does the owner have documentation to prove this.

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September 11, 2017

Taking Care of a Horse with Arthritis

Veteran Horse

Taking care of a horse with arthritis

Arthritis is considered a rather big nuisance for horses. These majestic animals whether old or young can have a difficult time if some assistance is not timely given. It is crucial to understand how important joints are and the early symptoms that can be used to indicate that a horse may indeed have arthritis. This type of aliment is ongoing and it is wide to take precaution by buying veteran horse insurance as your horse matures. Significant to note, horse owners ought to assess the requirements for a healthy animal, this is in keeping with at best mitigating arthritis altogether or being able to follow best practices in taking care of an arthritic horse. Some guidelines and important notations when taking care of such horses will be briefly mentioned.

Exercise will serve a horse exceptionally well, regardless of the nature of the ownership being occupational or recreational. In order to maintain what is left of the animal’s joints exercise must be one of the major priorities. With joint movement, a horse will be able to maintain and see to building those muscles and ligaments surrounding areas with missing cartilage. The aim is to give as much support as possible to the already weakened areas. Depending on the state of the joints, routines must be tailored as such, as extreme exercise can cause further damage.  

Weight plays an important role in how joints respond on a daily basis. Excess weight means excess work and pressure on already pressured joints. Imagine being overweight and attempting to exercise, this is by no means a pain-free endeavor for any horse. If the animal is no longer as active, then the likelihood of weight gain will be higher, therefore as a part of the regiment ensure the diet is adequately assessed for the horse in question.

Paying particular attention to the horse’s feet is another point of support. In order to have the animal as comfortable as possible on their feet for as long as possible, trimming and shoeing are of tantamount importance; after all the animal carries its weight on those powerful legs. With proper grooming in this regard, the veteran horse will be fully balanced with trimmed feet and consistent inspection if any issues arise for those that may wear shoes.

The living environment for the animal must be assessed in terms of surfaces they have to stand on. In aiding in less pain and general excess pressure, the horse must be provided with the right footing. The area must not be too soft nor entirely too hard, avoid uneven areas such as rocky or shifting surfaces as well as flooring with deep spots. The horse should be able to walk without having falls or twists of the legs.

Last to note but definitely not the least, is the use of medication. A veterinarian will be able to tell what will be the best choice for treating varying situations. It can range from including daily supplements to doses of injections when deemed necessary. Ensure to seek such advice as early as is possible to give the animal the best chance at a comfortable life. 

July 29, 2017

Buying a Horsebox

Horses Towing Trailer

So, which type of horsebox is best? This will depend on your priorities. A fully-equipped living area including a bunk above the driver’s cab is one possibility however, if you only travel to local events and you just need somewhere to change and store your tack, then possibly a “day living” cab, that does not have a “crawl-through” opening at the back may suit you. Whichever you decide make sure to take out horsebox insurance. We can help you by comparing the cost against multiple brokers. Get started by selecting the Get Quotes button below.

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  • What size or weight of horsebox will you be needing?

One of the key points to consider is the minimum and maximum amount of ponies/horses you will be looking to transport. For two or more horses you will typically need a 7.5t horsebox which most often comes with three stalls and living area of varying specs and size. A very critical factor when it comes to choosing which horsebox to buy is the payload the horsebox has. This is basically is the amount of weight that you are legally allowed to put into the horsebox.

  • Horsebox prices

Quite often, people tend to look at the age of the chassis (chassis is both the cab and drive train) and place value that way. This is not really correct, as the biggest majority of the value of a horsebox is found in the body.

There are two different types of horsebox body, They are coach-builds and conversions. A conversion is when a lorry has its body stripped out from the inside and then it’s refitted with windows, partitions, dividing walls, and sometimes even some living accommodations, thus turning it into a horsebox. This is no-doubt the cheaper way of creating a horsebox and if done properly there is not a thing at all wrong with a conversion. The other type of body is coach built. This is of course when the body is purpose-built onto the chassis. These can be better for a few reasons. Among these are that they can be lighter, stronger, and most often are built using more ideally suited materials, keeping horse transport in mind.

  • Can you yourself drive this horsebox?

Another thing to consider is what you are legally entitled to drive a horsebox or tow a horse trailer. The best way to look at this is if you passed your driving test before January 1997 then you can jump right into anything that weighs up to 7.5t. If on the other hand passed your driving test after January 1997, a 3.5t horsebox is the biggest you will legally be allowed drive. A 3.5t horsebox is usually stalled for two horses and it tends to be mainly rear facing and has a side ramp.

  • Checking over a horsebox for sale

When you are physically looking over a horsebox with the intention to purchase, there are a few important and easy things to look for. The flooring in the horse area is definitely a good place to start. Almost without exception, most horseboxes have a floor that is made out of exterior/marine plywood and has rubber matting on top of that. Some of the more expensive horseboxes will have floors that are made from aluminium planking. This is generally stronger and lighter. However, a plywood floor that is in good condition is more than adequate to take the weight of several ponies/horses. When you stop transporting horses you can modify your horsebox to serve gin and tonic.

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April 15, 2017

5 Feeding Tips for Veteran Horse

Veteran Horse Feeding Tips

5 Tips for Feeding An Older Horse With Dental Problems

As horses get older, age-related senile changes start to show in many parts of their body. An optimal diet plan for horses is necessary to ensure that those areas of the body are supported and maintained as long as possible. One of the most important elements of the ageing process in veteran horses is the loss of teeth or a decrease in the ability to use teeth efficiently. It may be sad to see your beloved horse or pony fighting age-related decline and many horse owners are faced with the disheartening decision of enforcing their horses to sleep because they are no longer able to eat properly. This ripping decision can be delayed or sidelined altogether with some simple adjustments in the diet and how to feed your horse. Read on to find top 5 tips for managing an older, dentally ill horse's nutrition and diet: 

1. Feed beet - beet is an excellent choice for older horses. It has a high fiber content and provides a good source of cooling energy. It is suitable for ponies and horses that are prone to laminitis. Again, make sure that it is well dipped and expanded before feeding and to allow for ease of consumption.

2. Soaking Hay - It is important that your horse still consumes a diet rich in fiber and as much food as possible. His teeth can be too far gone to eat the wet hay, but hay soaking will soften the diet considerably and make it easier to chew.

3. Cubes of hay - hay cubes can be a good way to get food into the horses without much chewing and grinding. Make sure the cubes are soaked thoroughly and have fully expanded before feeding them to your horse.

4. Feed chaff as an important part of the feed - The same principle applies here too, as mentioned above in the case of hay cubes. Chaff requires less chewing and is thinner, easier to swallow. If you put the contents of the straw to replace what has been previously fed as hay, it can be an excellent way to get plenty of food for the horse. If your horse is still in trouble - try to soak chaff.

5. Add the oil to the diet - the addition of oil to the horse's food is an easy way to enhance its caloric intake. If you are not already adding oil to your horse's diet, begin with a small amount (1/4 cup) and gradually increase the ratio over a period of 3 weeks to about 1 cup. Make sure you are using the nutritionally rich oil as well - preferably flaxseed oil/ linseed, chia seed or olive oil. Do not feed corn oil!

Bottom line - It is important that your elderly horse is consuming enough vitamins and minerals. It is advisable to offer your horse a piece of salt stone to lick and, if possible, an easy to consume balance. Chia seeds are a natural choice to provide an extra amount of vitamins and minerals and a good balance of omega fatty acids. For a more details please click here