15 %
Introductory Discount
plus
5 %
Security Discount
Horse Trailer insurance from £3.00 per lunar month
Start Quote

*Premium shown is paid lunar monthly and based on minimum insurable value including introductory discount.

Create Your Own Horse Trailer Insurance Today

If you have not quite found the ideal insurance for your horse trailer or horse-drawn vehicle, how about tailoring your policy to fit your needs? Whether you are on a tight budget or looking for the full works, with our Pick 'n' Mix policies you only need to choose the cover you require.

It doesn’t matter if you are transporting your horse somewhere or they’re transporting you, protection against accident and other misfortunes is of paramount importance. Select the right benefits for the right price and help your cover meet your needs.

Pick 'n' Mix Trailer Insurance - Drive It Your Way!

How does it work? It’s simple - our policies include one Standard Benefit and then you simply choose which other Elective Benefits you want to add. Why pay for cover you don’t need?

What Standard Benefit is Included?

The only Standard Benefit in our horse trailer insurance simply includes cover for Fire & Theft.

What Additional Elective Benefits Can I Add?

Whether you want to create a more comprehensive policy or require a budget friendly policy, our range of Elective Benefits has been designed to help you create horse trailer insurance that better meets your needs.

You can tailor your horse trailer insurance policy with the following Elective covers:

  • Accidental Damage
  • Replacement Hire
  • Public Liability
  • Recovery & Delivery Costs
  • Loss of Entry Fees
  • Friends Cover
  • Premium Waiver
  • Legal Helpline
  • European Use - Extends Fire & Theft plus Accidental Damage to use in the continent of Europe

For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your horse trailer with The Insurance Emporium.

Find the Right Policy For You

Our Range of Cover

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits
Standard Benefit
  • Fire & Theft i
 
  • 100% of Sum Insured/Market Value
Elective Benefits
  • Accidental Damage i
  • European Use i
  • Recovery & Delivery Costs - UK Only i
  • Replacement Hire i
  • Loss of Entry Fees i
  • Public Liability i
  • Friends Cover - UK Only i
  • Premium Waiver i
  • Legal Helpline i
 
  • 100% of Sum Insured/Market Value
  • 50 days per year
  • £750
  • Maximum £150 per week for up to 4 weeks
  • £400 per incident
  • £1.5 million
  • Up to 2 friends
Table of Benefits
Standard Benefit
  • Fire & Theft i
  • 100% of Sum Insured/Market Value
Elective Benefits
  • Accidental Damage i
  • European Use i
  • Recovery & Delivery Costs - UK Only i
  • Replacement Hire i
  • Loss of Entry Fees i
  • Public Liability i
  • Friends Cover - UK Only i
  • Premium Waiver i
  • Legal Helpline i
  • 100% of Sum Insured/Market Value
  • 40 days per year
  • £500
  • Maximum £150 per week for up to 3 weeks
  • £300 per incident
  • £1 million
  • Up to 2 friends

The cost of the trailer or horse drawn vehicle if stolen or destroyed by fire.

Up to the cost of the trailer or horse drawn vehicle if accidentally damaged.

Loss or damage to the trailer or horse drawn vehicle whilst in Europe.

Cost of recovery and delivery if the trailer or horse drawn vehicle is disabled by loss or damage (UK only).

The hiring of a similar trailer or horse drawn vehicle where it becomes unusable for more than 24 hours.

Irrecoverable entry fees if alternative transportation is not available to convey a horse owned by you or a member of your immediate family to a competition if the trailer is rendered unusable.

Your legal liability to others for compensation and costs caused by or through your ownership or use of the trailer or horse drawn vehicle.

Up to 2 friends using the trailer or horse drawn vehicle for social, domestic and pleasure purposes.

In the event of your hospitalisation, accidental bodily injury, death or unemployment, we will waive your insurance policy premium.

The cost of the trailer or horse drawn vehicle if stolen or destroyed by fire.

Up to the cost of the trailer or horse drawn vehicle if accidentally damaged.

Loss or damage to the trailer or horse drawn vehicle whilst in Europe.

Cost of recovery and delivery if the trailer or horse drawn vehicle is disabled by loss or damage (UK only).

The hiring of a similar trailer or horse drawn vehicle where it becomes unusable for more than 24 hours.

Irrecoverable entry fees if alternative transportation is not available to convey a horse owned by you or a member of your immediate family to a competition if the trailer is rendered unusable.

Your legal liability to others for compensation and costs caused by or through your ownership or use of the trailer or horse drawn vehicle.

Up to 2 friends using the trailer or horse drawn vehicle for social, domestic and pleasure purposes.

In the event of your hospitalisation, accidental bodily injury, death or unemployment, we will waive your insurance policy premium.

Why Insure Your Horse Trailer With Us

30% Total Discount Available
Eu European Cover Available
100% Sum Insured Fire And Theft

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

15% discount on new policies for the first year. But don’t worry, we also offer a Loyalty Scheme and No Claims Bonus discounts to reward faithful and prudent customers after 12 months.

Plenty of ways to maximise your savings up to a 30% discount (including 15% Intro Discount). Additional discounts available for hitchlock security ball, an approved security identification system and Trailermark.

This is based on insuring for £500 with no Elective Benefits selected.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

Are there any age limits for the driver towing the trailer?
No, there are no age limits. However, the driver must have a valid driving licence. They must follow the conditions of their driving licence, follow any towing laws that apply to the country they are driving in and ensure that the towing vehicle complies with the manufacturers recommendations. Please note that any person classed as an inexperienced driver will be subject to a double excess. An inexperienced driver would be someone within 1 year of first ownership or usage.

What is the maximum value a horse trailer can be insured for?
The value of your horse trailer or horse-drawn vehicle must not exceed £10,000.

Will you cover my horse trailer if it is used by someone else?
The policy will only cover the policyholder to use the trailer. However, you can elect to add the Friends Cover to the policy. This would allow 2 friends to also use the trailer within the UK. The friends must be 25 years or older.

What does public liability cover me for?
Public Liability provides cover for your legal liability to others for compensation and costs caused by or through your ownership or use of your trailer or horse drawn vehicle.

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. You must send them any form of writ, summons or legal documents you receive and allow them to act and reply on your behalf.

What is the excess on the Horse Trailer policy?
An excess applies to claims under the following sections of cover:

  • Fire and Theft: £85
  • Accidental Damage: £85
  • Public Liability: £250

How do I protect my horse trailer from theft?
The policy states that a Proprietary Wheelclamp (high security integral lock projecting into the recessed well on the inside of the wheel) must be used when the trailer is (a) not in use or (b) in use but unattended.

Will you want to see the horse trailer after an accident?
We may decide to appoint an independent assessor to inspect your trailer in consideration of your claim.

What do I have to do if my horse trailer is stolen?
You must tell the police immediately upon discovery and preferably within the first 24 hours. You must and obtain a crime reference number. Once you have done this, the crime reference number and details will need to be passed to us as the insurance company. You must do everything you can, within reason, to recover your horse trailer.

Am I covered for business use of the horse trailer or competing with my horse-drawn vehicle?
No, the policy does not cover any claim arising from your participation in or preparation for any driving trials, competions or cross country events using your horse-drawn vehicle. The policy only covers the trailer for social, domestic or pleasure purposes and for the sole purpose of transporting horses. The policy only covers a horse-drawn vehicle for social, domestic or pleasure purposes.

Can I take my trailer or horse-drawn vehicle abroad?
Yes, if you have elected to include European Use. This geographically extends cover provided in the sections for Fire & Theft and Accidental Damage (if chosen) to the continent of Europe and also includes sea crossings.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.