Looking for Horse Trailer Insurance?
Horse trailer insurance isn’t mandatory, but when traveling at speed on public roads, towing a horse, it’s a very good idea.
Depending on the type of policy you take out, horse trailer insurance is designed to cover the cost to repair damage to your horse trailer, accidental damage caused by your trailer to other vehicles, people and property, and fire and theft. This guide explores what to look for when choosing horse trailer insurance and how to tailor a policy to you.
Are horse trailers covered by vehicle insurance?
Some comprehensive vehicle insurance policies automatically extend third party cover to trailers. What’s important to remember about this type of cover is:
Specialist horse trailer insurance
Horse trailer insurance is a specialist provision, so look for insurers familiar with and understanding of the risks associated with the equine industry.
You can take out horse trailer insurance to cover costs associated with:
Horse trailer insurance doesn’t cover things like:
Ways to save money on horse trailer insurance
Horse trailer insurance is a specialist provision, so you will get better deals from insurers who understand the market and the risks.
Some insurers offer discounts if certain approved security devices are fitted. Check with your insurer before investing in additional security.
Combining horse trailer insurance with other policies such as horse insurance and vehicle insurance can make these policies cheaper and easier to manage.
Taking your horse trailer abroad?
Most insurers will extend horse trailer insurance to cover European travel, just be sure to:
- Tell them when and where you’re going.
- Make certain you’re not paying for it if you don’t need it.
- Think about breakdown and recovery cover.
- Look into any legal requirements applicable to the countries you’ll be driving in, such as carrying high-vis jackets and breathalysers onboard.
Horse Trailer Insurance – Useful FAQs
This depends when you passed your driving test and the size of your horsebox. If you passed your test before 1997 you should be fine.
UK national speed limits applicable when towing horse trailers are as follows:
60mph for motorways and dual carriageways
50mph on single carriageway roads
30mph in built up areas
*Horse trailers are prohibited from the outside lane of a motorway.
Sadly not, it just covers the trailer. If you are looking to cover possessions and/or equipment then consider adding this to a horse insurance or stand-alone policy.
Yes, some insurers offer new for old policies for horse trailers, providing they are under a certain age.
Motorised horseboxes are usually converted vehicles that contain quarters to safely transport horses and often have sleeping quarters as well. Horse trailers are separate boxes just for horses that can be towed. Read more about motorised horsebox insurance.