Do I need to insure my horse trailer?

Having transport for your horse is an essential aspect of equestrian life, enabling you to transport them safely to lessons, competitions, and appointments.

While having insurance for a Horsebox is a legal requirement, when you opt for a Horse Trailer there is no requirement by law to have insurance for the trailer itself.  In this blog, we will explore why insuring your horse trailer is still an important consideration and the benefits a policy will bring.

Types of Horse Trailer insurance

Public Liability insurance: Typically, the insurance you have for your towing vehicle will include Public Liability cover. It’s best to check with your insurance provider that this is automatically covered, but this is usually the case as it is the towing vehicle that is enabling the trailer to move so therefore it’s the vehicle’s policy that responds if damage occurs to a third party.

Horse Trailer insurance: Designed to protect your trailer from various risks, Horse Trailer insurance includes cover for theft and accidental damage. While it may not be legally required to insure your horse trailer, having insurance can help you tow with confidence and financial protection.

Trailer Breakdown cover: Whether you are unlucky enough to suffer a simple puncture or a major breakdown, having an equine-specific Breakdown policy will ensure that your issue is dealt with promptly reducing the stress of the incident to both you and your horse(s). When you choose a KBIS Horse Trailer Breakdown policy, it includes the vehicle even when you are not towing, saving the need for multiple Breakdown policies for different occasions. Take out Horse Trailer Breakdown cover today for just £132.08 for the year.

Why should you insure your horse trailer?

1. Protection against theft: Horse trailers are valuable assets and can be attractive targets for thieves. Insurance can cover the cost of replacing your trailer if it is stolen, minimising your financial loss.
2. Coverage for accidental damage: Accidents happen, whether on the road, while parking or even when unhitched and stationary. Insurance can cover repairs or replacement if your trailer is damaged in an accident, saving you from significant out-of-pocket expenses.
3. Confidence when towing: Knowing your horse trailer is insured allows you to focus on what matters most – caring for and transporting your horses safely. Insurance offers reassurance that you are financially protected against unforeseen circumstances.

Choosing the right Horse Trailer insurance policy

Value of the Horse Trailer: Decide what the current market value of your trailer and ensure the policy covers this value.

Coverage options: Look for comprehensive coverage that includes theft and accidental damage. It may also be helpful to consider whether the provider you choose also offers Breakdown cover for Horse Trailers too.

Premium costs: Compare premiums from different insurers to find the best value.

Customer reviews: Research insurers’ reputations and read customer reviews to ensure reliable service.

Is Horse Trailer insurance worth it?

While Horse Trailer insurance may not be a legal requirement, it is a wise investment. The cost of repairing or replacing a damaged or stolen trailer can be substantial, far outweighing the cost of an insurance premium.

Insuring your Horse Trailer is not just about protecting a valuable asset; it’s about ensuring the safety and security of your lifestyle. With the right insurance policy, you can enjoy the peace of mind that comes with knowing you are protected against theft, damage, and breakdowns. At KBIS, we offer tailored horse trailer insurance solutions to meet your specific needs, giving you the confidence to transport your horses safely and securely.

Get a Horse Trailer insurance quote online or call our experienced team on 0345 230 2323 to discuss your needs specifically.