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It is not a legal requirement that you take out a horse trailer insurance policy but bear in mind that you may well have spent several thousand pounds in buying a new horse trailer and if it were damaged in a serious accident or stolen how would you go about paying to have it repaired or worse still buy a replacement horse trailer if you have no insurance. In the short term, how are you going to transport your horse to various horse shows around the locality because hiring a horse trailer is not cheap?
Unfortunately, unless your car insurance provider is prepared to extend the level of cover, they will not insure your horse trailer should it be lost or stolen or damaged in an accident – they will only insure you against third party damage and liabilities caused by your horse trailer whilst being towed.
It should come as no surprise to read that there are a number of horse trailer insurance companies that offer different levels of cover and varying features.
Below is a range of the most common features found with comprehensive horse trailer insurance:-
• Accidental and malicious damage, fire, loss and theft to your horse trailer • Public Liability Cover • New for old cover for horse trailers (age restrictions may apply) • Replacement hire • European use • Recovery costs
There is likely to be a policy excess.
Ultimately, this has to be your decision. You will need to make sure that the policy you select provides the cover that you require at a premium that is affordable.
You can obtain a no-obligation through our website in a matter of minutes so why not see just how competitively priced this type of specialist insurance can be.
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