Horse Trailer Insurance

Find the right Horse Trailer Insurance for your needs from the panel of specialist insurance providers.
Cover available can include:

  • Horsebox insurance for vans or lorries from 1 to 6+ stalls
  • Private Car NCB acceptable
  • Protected No Claims Bonus available
  • Discounts for limited mileage
  • Discounts for security / immobilisers
  • Breakdown assistance and horse recovery
  • Trailer insurance
  • European Use
  • Cover while at competitions
  • Instant horse trailer insurance documents

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A Quick Start Guide to Horse Trailer Insurance

Finding horse trailer insurance is now easier than ever so there’s no reason you can’t get a policy with all the features you want at an affordable price. It’s simply not worth leaving the safety of your horse trailer to chance, especially when there are so many risks presented from other road users, thieves and vandals.

Is horse trailer insurance obligatory?

Your car insurance will usually provide third party cover for any trailers that are being towed so it’s not a legal requirement to have horse trailer insurance although it isn’t highly recommended. The risks that are posed to horse trailers include accidental damage, theft, fire and vandalism. None of these will be covered unless you have horse trailer insurance.

What types of cover can you get?

The main types of cover you can get with horse trailer insurance are –

  • Theft
  • Fire
  • Accidental Damage
  • Overseas Cover
  • Vandalism
  • Public Liability

Where am I covered?

Most horse trailer insurance policies will provide cover for the trailer both at home and whilst attending horse shows. The level of cover you get at shows will largely depend on the insurance provider and the type of policy you take out.

Some insurers will provide very comprehensive cover that includes arrange overnight stabling an alternate travel/accommodation if your trailer were to be damaged to the point of being unusable.

What about travelling abroad?

Most insurance policies will not provide cover for travelling abroad unless you specifically ask for this to be included. It’s important to bear in mind that when taking your horse out of the country, you’ll need to have the correct documentation and also adhere to any towing regulations of the country you’re travelling to.

What are some good ways to save money?

There are some very reliable ways to get cover for horse trailer whilst also saving money. Firstly you should make the security of your horse trailer a priority. When attending horse shows you should have the trailer parked somewhere secure where there are a lot of people around. You should also make it immobile with wheel clamps – this can go a long way to deterring thieves. This also applies when the trailer is at home.

Another great way to save money is by taking out a limited mileage policy. Limited mileage policies are great if you don’t use your horse trailer on a regular basis. You and your insurance provider agree upon a set number of miles that you will stay below for a given period, allowing you to reduce the risks and therefore save money on your policy.

Getting multiple quotes is perhaps the most reliable way of saving money on horse trailer insurance.  The quotes you find can vary a lot so the only way to ensure you don’t pay more than you should is by getting quotes from several different insurance providers. Getting multiple quotes is now very quick and easy so there’s no good reason not to do this as it could save you a lot of money.

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