Horse Trailer Insurance
- Why take out Trailer insurance?
- What are the security requirements?
- What does public liability cover me for?
- Can I take my trailer or horse-drawn vehicle abroad?
- What am I insured for?
- What is an excess?
- Within what period must I claim?
- What is a third party?
- What should I do if anything happens that could result in a third party claim against me?
- I have an existing medical condition. Will this affect my ability to claim?
- Why take out Trailer insurance?
- Trailer Insurance offers a specially designed policy to cover your trailer or horse-drawn vehicle for regular or occasional use.
- What are the security requirements?
- The insured trailer or horse-drawn vehicle must be clamped by a proper wheel clamp when not in use unless it is kept in a building that is totally enclosed and secure and is a permanent substantial structure of brick, stone or timber. The building must have doors kept locked by a patent 5-lever lock and windows secured with patent window locks. Trailers and horse-drawn vehicles must be clamped by a proper wheel clamp when in use but unattended. Full security requirements can be found on the Premiums page online.
- What does public liability cover me for?
- Public liability covers legal liability to a third party for the damages and costs arising from your use of the insured trailer or horse-drawn vehicle. This excludes liability in connection with the trailer or horse-drawn vehicle being towed or transported.
- Can I take my trailer or horse-drawn vehicle abroad?
- The Gold level of cover entitles you to European use for your trailer or horse-drawn vehicle for a maximum of 31 days per occasion. If you pay monthly you are entitled to 180 days European use and up to 150 days if you pay yearly.
- What am I insured for?
- This will depend on the benefits you choose when you take out your insurance cover. These will be detailed in your insurance documents. The documents should be read in conjunction with your policy terms and conditions to give you the full details.
- What is an excess?
- An excess is the first part of a claim that you pay yourself.
- Within what period must I claim?
- We ask for claim forms to be returned to us within 90 days of the onset of the loss or condition.
- What is a third party?
- The first party is the policyholder, the second party is the insurance company and the third party is anyone else who has been injured or whose property has been damaged.
- What should I do if anything happens that could result in a third party claim against me?
- Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim, send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.
- I have an existing medical condition. Will this affect my ability to claim?
- You are obliged to advise the insurance company of any physical or mental conditions that you have which might affect your policy. The insurer will advise you at the time you take out your policy how your condition might affect a claim.