Horse Trailer Insurance UK
Your existing auto insurance will provide some cover for towing a trailer, but it will likely be limited to third party and offer no cover for the actual theft or damage to your transporter. Please check your policy for the exact details of any cover provided.
The value of the trailer can mount up when you add in upgrades such as new tires, or foam-cushioned flooring for example. Add in an air-ride suspension kits and the cost starts to mounts up rapidly making it an extremely valuable commodity and you will see the need for taking out a separate horsebox insurance policy.
So unlike horsebox insurance it is not a legal requirement, but it is a smart move to cover your trailer on a separate policy that is specific to your individual insurance requirements. We can offer you multiple quotes from underwriters that deal exclusively in the horse trailer insurance sector.
The need to properly insure your equine transporter is an essential part of owning and transporting animals - whether for personal or business reasons. No matter how careful and responsible a driver you are or are your family members, you can never predict what will happen whilst driving from A to B. Reduce your risk by keeping your trailer well maintained and carry out a safety check before every journey.
In summary these are valuable items that should be protected with horse trailer insurance. If you are are new to the world of towing livestock, take 10 minutes to read this great post that offers valuable tips for both the novice and advanced drivers.
Did you know that if your horse trailer comes unhitched from the truck it may not be insured? As long as a trailer remains hooked to the towing vehicle, most insurance policies will represent your liability. If the trailer unhitches, most insurance policies state that they will not cover the damage or represent you in court. Ask your insurance agent to remove the exclusion by adding an endorsement that will cover your trailer in the event it becomes disconnected from the truck. Don’t believe that is true? Call you insurance agent to find out.
What is the cost of horse trailer insurance?
No definitive answer can be provided as it does depend on many factors not least the size and value of your horse trailer. On average expect to pay in the region 100 pound plus, but this a ballpark figure. Many brokers are specialist in this arena and include SEIB, KBIS and NFU trailer insurance. Use the get quote option to get estimates for your particular box trailer cover requirements, from 25 plus brokers that deal in this niche insurance sector.
Tips to reduce trailer theft
As you know livestock transporters are expensive items with many designed to your bespoke requirements and don't forget the expensive equipment inside. Below we have compiled some advice on ways to lower the risk of falling victim to theft.
If you own a Ifor Williams trailer it is automatically registered on the company's database and the T.E.R National Plant and Equipment Register. You can register on the national database yourself to ensure your horse trailer serial number can be traced back to you in the event that the equine transporter is stolen. If you add extra security items please insure they are approved by the UK insurance industry and do mention when requesting a policy quote, as such measures should help reduce the costs of your annual or monthly premiums.
Levels of Horse Trailer Insurance available
Help finding a good deal on horse trailer insurance
- Having established that the cover provided with your typical car insurance is not sufficient to cover actual costs that you may encounter should an accident occur. It is advisable to take out separate trailer box insurance to cover any accident whilst in transit or if your transporter gets stolen. Start by comparing costs from multiple brokers that deal exclusively in this niche insurance market.
- When you start comparing pay special attention to the policy inclusions and exclusions, some may include extras that you find attractive. Do not take out cover for things that that you will not need, for example driving in Europe. So the key to getting a great deal is to compare and contrast offers from multiple UK insurance brokers. If you are renewing your policy then you could use the information that you have gleaned to leverage your current broker for a better deal at renewal time or some free extras.
Horse Trailer Insurance and Driving Licence Restrictions
Make sure your drivers licence permits you to tow a trailer with livestock. This government UK web site gives will answer this question by supplying answers based on your driving licence year of issue, check the full regulations here
Trailer Safety Check
Always carry out a trailer safety check especially if you only use your trailer occasionally .
Article by Eamonn Turley