Breakdown Insurance – Eligibility

The policy covers breakdowns in England, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands and the Scottish Isles.

Cover is for vehicles used for social, domestic and pleasure use only.

All horses (and owners!) must be domiciled in the United Kingdom.

Breakdown Insurance – Cover Available

The benefits included under a horsebox breakdown policy or a trailer breakdown policy are outlined below. When taking out a trailer breakdown policy cover is included for the towing vehicle.

Please note, when taking out cover for the first time, there is a 24 hour period before full cover will be in place. For example, if you would like cover to commence from midday on Saturday, cover must have been taken out by midday on the preceding Friday.

Roadside Service

The insurer will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges (up to 1 hour) needed to start the vehicle.

If the vehicle cannot be repaired at the scene of the breakdown, the insurer will arrange and pay the reasonable cost of taking the vehicle, horse(s), you and up to 5 passengers from the place where the vehicle has broken down to the nearest available garage.

Recovery Service

If the vehicle cannot be repaired at the scene of the breakdown or at a nearby garage, we will arrange and pay the reasonable cost of taking the vehicle, horse(s), you and up to 5 passengers from the place where the vehicle has broken down to any one place you choose.

Home Service

If your vehicle breaks down at home or within one mile of your home we will arrange help to start the vehicle (up to 1 hours labour) If it cannot be started it will be recovered to the nearest available repairer. Home is the place your vehicle is normally kept.

Emergency Travel or Accommodation

If a vehicle breaks down when it is more than 50 miles from your home, and cannot be repaired at the roadside or at a garage during the same day and is not recovered to your home or destination, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation, for your horse(s), you and up to 5 passengers.

The most we will pay will be £250 for:

• alternative road, rail or horse trailer hire to allow you and your party to reach your destination and return: or
• one nights hotel accommodation for you and up to 5 passengers including stabling costs for the horse(s). (The amount we will refund will only be for the rooms. We will not pay any amount for meals or drinks.)

Before you arrange emergency travel or hotel accommodation, you must call the rescue control centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts.

Message Service

If your vehicle breaks down and help is arranged by the Rescue Control Centre, they can contact your family or colleagues to let them know about the situation.

Key Cover

If you lock your keys within the vehicle or lose them then the policy will cover taking you, your vehicle and your horse(s) to your spare keys or a local repairer, whichever is closest.

Misfuelling

If you fill your tank with the wrong fuel the policy will cover the draining and flushing of the fuel tank at the roadside, taking you to the nearest repairer if it’s not fixable and even topping up your tank with 10 litres of the correct fuel to get you on your way again.

Replacement Driver

It’s not a situation we like to think of ourselves in but having a fall or accident whether at a competition, on a fun ride or out schooling, could leave you unable to drive you and your horse home again. If, as the only driver of the vehicle, you have been certified as medically unfit to continue a journey or drive home then a replacement driver will be arranged and the cost for the service covered.

Breakdown Insurance – You’ve Broken Down!

In the event of a breakdown you need to call the 24-hour rescue control center on either of the two numbers below:

0800 389 6354 (Free Phone)
01277 235702 

You will need to provide staff with the following information when possible:

• Your name
• Your home postcode
• The phone number you are calling from
• The location of the broken-down vehicle, including road names or numbers and landmarks
• The registration number, make and model of the vehicle

If you are deaf, hard of hearing or speech impaired and require assistance please text your full name and registration number to +44 (0)7537 404890.

Policy Documents

Making a complaint

If you are unhappy with the product or service provided, it is important that you understand how to make a complaint. 

To raise a complaint with KBIS, visit how to make a complaint.

To raise a complaint with ERS, visit the Lloyd’s complaints process.