About Horse Trailer Insurance


Horse trailer cover up to £25,000

Covered against theft, attempted theft, accidental and malicious damage, and storm damage.


Equine insurance experts

Our horse trailer insurance experts know their tack from their tow bars. 


Additional trailer insurance benefits

Includes insurance of factory fitted accessories, and new for old cover.

Direct Debit

Pay by Direct Debit

Split your horse trailer insurance payments into equal monthly instalments.

Features of Horse Trailer Insurance

Standard cover

Trailer hire in the event of a claim

Picture this: You need to get to an equestrian event, but you’ve just submitted a claim for your trailer, and it can’t be fixed in time. With our horse trailer insurance, once your claim has been accepted and processed by the insurer, you can hire a temporary trailer, costing up to 10% of your trailer (sum insured). This means that you can still go to your event and not lose out on any prepaid entry fees.

Theft and attempted theft

Theft cover is included but security requirements, such as a wheel clamp, may be required, depending on the locations and value of your trailer. We also like to encourage safe storage - particularly if your trailer is worth more than £10,000. We can provide discounts on your horse trailer insurance if you store it on your driveway or in a garage. Other savings are available for different storage arrangements. Please note that theft cover does not include the contents of the trailer.

Horse trailer recovery options

Our aim is to get your trailer repaired and safely back on the road - but first, we have to get it to the repairers. Pick up or recovery of your trailer may be expensive, but with our horse trailer insurance policy, you may be able to claim that money back (subject to the insurer's terms and conditions). We'll also let you choose your repairer - so if you’ve got someone in mind, just let us know. Please note that this may be from a list of pre-approved repairers.

New for old horse trailer insurance

If your trailer is under two years old, you will receive payment for the price 'as new' if it is written off, as long as it insured for the full current market price. If it is older than two years, payment will be on a 'market value' basis.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01536 486 060 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Horse Trailer Insurance FAQs


Why do I need liability insurance for my horse trailer?


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.


Are there any discounts for storing my horse trailer at home?


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.


Can I lend my horse trailer to a friend?


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.


Can I insure a horse trailer that I'm hiring or borrowing from a friend?


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


What sort of security precautions should I take to protect my horse trailer?


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.


Can you insure any type of trailer?


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.


Will my horse trailer insurance be invalidated if I keep my trailer in a field?


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.  


Will there be an excess if I need to make a claim on my horse trailer insurance?


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.


Can I use my horse trailer for commercial transportation?


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.  


Can I pay for my horse trailer insurance policy in instalments?


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.


Are there any exclusions?


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.


Where can I find full details of my policy?


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.