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: £100
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.