Horse Trailer Insurance

Liability insurance is there in case you damage someone else’s property while the trailer is not attached to your vehicle. For example, you may accidentally open the jockey door onto someone’s car bonnet, or your horse trailer might roll away and injure someone. When your trailer is attached to your vehicle it is likely you will be covered by your car insurance. If in any doubt, please check with your motor insurer.

If your horse trailer is worth over £10,000, we’ll give you a discount when you store it at home, i.e. on your driveway or in a garage. Savings can be made with other storage arrangements – please ask your adviser for more details.

As long as your friend has the correct licence to tow, you can lend it to them. However, you can’t hire it out to them for financial gain.

No. You must own the trailer, in order to insure it.

Depending on the insurer, as well as the location and value of your horse trailer, a hitch lock, wheel clamp, or both, may be required.

We can insure many types of trailer. As long as it’s not homemade, there is a high chance that we can insure it. We offer cover for Ifor Williams trailers, Equi-trek and other factory-made trailers.

Depending on whether there is somebody living on site and the proximity of the trailer to the property, you may be able to store it on a field. However, we most certainly do not recommend it.  

Yes. The standard excess is £50 for accidental damage and £100 for theft, malicious damage, storm damage, etc. However, these could change depending on your requirements. Your excesses will also be explained to you at the point of quotation, so if you have any questions, please do ask. Also ensure that you read your policy summary and schedule to make sure you understand how much you may have to pay, yourself.

Yes, you can use your horse trailer for commercial transportation under a horse trailer insurance policy. However, you are only covered when you are driving the trailer yourself and when it is used for its intended purpose.  

If you would prefer to spread the cost of your policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.