Of Horse

Created by Horse enthusiasts for Horse enthusiasts

Get your free account at Of Horse.

  • Vote

    for your favorite new posts
  • Publish

    your own original blog posts
  • Earn

    $15 for your posts voted to Top Posts
  • Sign Up!
Insurance - Is Your Trailer Protected?
Facebook Tweet Google+ Pinterest Email More Sharing Options

Insurance - Is Your Trailer Protected?

Your trailer is a big investment so although it's not actually a legal requirement to do so, it makes good sense to insure it. Trailers are a popular target for thieves even if stored right outside your house. And no matter how well built or robust it may seem a trailer is no match for half a tonne of unpredictable horse as I discovered when my 17hh hunter panicked and reversed out of my trailer at a rate of knots, taking the ramp with him!

Insurance of any variety is all about peace of mind. We hope for the best but plan for the worst. Trailer insurance is no exception.

Cover

Check the insurance policy for your towing vehicle.  This will probably provide a minimum of legal third party cover although theft or damage to the trailer will not be included. It may be possible to extend the cover on your towing vehicle policy to accommodate this.  Failing that, you will need to take out a separate comprehensive horse trailer insurance policy.

Most horse insurance policies provide an option to include a trailer insurance component and they do tend to be fairly comprehensive in the cover they provide. Again, it's sensible to check your policy schedule to establish exactly what is covered and what is not. Never be tempted to wait until you have to make a claim only to discover that your expensive investment is not included under the policy terms and conditions.

If you do opt for separate insurance for your trailer, always shop around. This is relatively easy to do these days by using one of the many comparison sites on the internet. Specialist trailer insurance companies very often offer specialist breakdown recovery cover as an optional extra. This is well worth investing in particularly if you regularly travel your horse long distances to competitions. Do bear in mind that it may not be a problem with your towing vehicle that leaves you stranded and anyway roadside vehicle recovery policies generally do not include your horse and trailer.

Before you start obtaining quotes, make sure you have the following information to hand:

  • The trailer details: make, model, year of manufacture, serial number or Vehicle Identification Number;
  • How many horses the trailer is designed to carry, its length and the purchase price;
  • State whether you are intending to use the trailer solely for personal use or for business purposes.
  • Some insurance companies will offer a discount if you invest in some form of theft prevention device or have your trailer fitted with some sort of tracking facility so have details of this available.

Once you've chosen a policy that suits your requirements make a note of the insurance company's name, your policy number, the telephone number you will need to call in case of emergencies, and the breakdown recovery company contact number. Keep this information with you whenever you use your trailer. Hopefully, you will never need it but it's always best to be prepared.

Prevention

Some makes of trailer are automatically registered on both the manufacturer's database and (in the UK) with The National Plant & Equipment Register. You can register your trailer with this database yourself. In the event of theft and subsequent recovery your trailer's serial number can then be traced back to you.

There are companies, (Trailermark being one), which allow you to place your own individual code in large self-adhesive letters on the roof of your trailer. This not only makes a highly visible deterrent but entry onto the company database also helps with tracking should a theft occur.

You may also opt to have your trailer fitted with a data tag.  This is virtually impossible for a thief to detect but will enable the police to identify and trace the rightful owner. A growing number of UK manufacturers now offer in-built data tagging technology as standard on all new horse trailers.

Many police forces, especially those with large rural areas within their force boundaries, will mark your trailer free of charge using a forensic substance called 'Smartwater'. Again, this is invisible to the naked eye and the mark can only be revealed by the police using specialist equipment.

There are a whole host of security accessories available from alarms and wheel clamps to hitch locks, all of which provide a deterrent to thieves and are well worth investing in.

Yes! Send me a full color horse trailer brochure from Featherlite.

Thanks! Your brochure will be on its way shortly.

Leave a Comment

  1. jst4horses
    All good points. Keep in mind that professional van companies are insured, and usually give a discount for several pickups for one show or rodeo destination. While it is exciting to own your own, your horse may be safer, and it costs less in the long run to just hire a big van company, or for local transport, an existing small trailering company. CHECK the welds and flooring on your trailer each year. Old trailers lose the flooring and the horse pops out the bottom, the driver merrily dragging along far too late to save the horse. Please do not sell old horse trailers, make sure they are recycled properly for this reason.
    Log in to reply.
  2. jst4horses
    All good points. Keep in mind that professional van companies are insured, and usually give a discount for several pickups for one show or rodeo destination. While it is exciting to own your own, your horse may be safer, and it costs less in the long run to just hire a big van company, or for local transport, an existing small trailering company. CHECK the welds and flooring on your trailer each year. Old trailers lose the flooring and the horse pops out the bottom, the driver merrily dragging along far too late to save the horse. Please do not sell old horse trailers, make sure they are recycled properly for this reason.
    Log in to reply.
  3. Rene Wright
    Rene Wright
    Voted. I don't have a trailer yet, but I like your insightful & very helpful blog. I will use it as a reference when getting a trailer, insuring it & also tagging it in case of theft. :) Please check out my latest blog: Update on DE & Cookie's Latest. Vote & comment if you like it. Thanks!
    Log in to reply.
  4. PonyGirl
    PonyGirl
    Excellent blog. I was fascinated by the methods listed in the prevention section. In the US the only prevention methods I know of are locks for the hitching mechanism, and chaining the tires together, effectively shackling them so they cannot turn. I have always added my trailer to my truck insurance. For a very small price, I'm covered against theft and other losses, not associated with towing (which is covered in my vehicle policy). Towing the trailer, in the event of a breakdown, is not usually covered in regular trailer coverage. I was lucky when I was moving all the time. I had towing insurance with my travel trailer insurance- my vehicle was covered no matter what trailer I was towing at the time of the breakdown. Now, in the US, we also have special horse trailer insurance which will not only cover towing the trailer, but also offers help in finding places for your horses to stay while the vehicle is being repaired.
    Log in to reply.
  5. PonyGirl
    PonyGirl
    Excellent blog. I was fascinated by the methods listed in the prevention section. In the US the only prevention methods I know of are locks for the hitching mechanism, and chaining the tires together, effectively shackling them so they cannot turn. I have always added my trailer to my truck insurance. For a very small price, I'm covered against theft and other losses, not associated with towing (which is covered in my vehicle policy). Towing the trailer, in the event of a breakdown, is not usually covered in regular trailer coverage. I was lucky when I was moving all the time. I had towing insurance with my travel trailer insurance- my vehicle was covered no matter what trailer I was towing at the time of the breakdown. Now, in the US, we also have special horse trailer insurance which will not only cover towing the trailer, but also offers help in finding places for your horses to stay while the vehicle is being repaired.
    Log in to reply.

Sign Up to Vote!

10 second sign-up with Facebook or Google

Already a member? Log in to vote.