insurance guide
A Simple Guide to Horse Insurance
Why do you need insurance for your horse, and what features and exclusions are usually found in horse insurance? Read our guide to find out.
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Let our horse trailer insurance keep you covered while you're on the road with your horse.
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Picture this: You need to get to an 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 you can still go to your event and not lose out on any prepaid entry fees.
Theft cover is included as long as your trailer is fitted with a wheel clamp when it's not in use. Failure to do this could result in a theft claim not being paid. 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.
Our aim is to get your trailer repaired 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 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.
If your trailer is under two years old, we'll pay out the price 'as new' if it is written off. If it is older than two years though, we'll still pay out, but on a 'market value' basis. This means we'll pay out however much your trailer is worth at the time.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Though your horse trailer insurance claim will be managed and settled by your insurer, our friendly equine team are dedicated to helping you keep your claim moving forward.
Simply call using the number below and we'll advise you of the next steps in the process. We'll continue to guide you through as and when you need us thereafter.
Give us a call and we’ll help settle your claim:
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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 drop a ramp on someone’s car bonnet or your trailer might roll away an 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 drive way 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 license 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.
In order for your horse trailer cover to be valid, we require a wheel clamp to be secured to your trailer when it’s not in use. Wheel locks do not offer quite the same level of security so these are not acceptable. We also advise using a hitch lock but this is not essential.
We can insure many types of trailer - as long as it’s not home made, there is a high chance that we can insure it. We cover Ifor Williams trailers, Equi-trek and other factory made trailers.
We certainly wouldn’t recommend it, as the conditions of the policy state we cannot insure your trailer against theft and/or damage if it is left in a field.
Yes. The standard excess is £50 for accidental damage and £100 for theft. 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. Please 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 purposes under a horse trailer insurance policy, but please discuss this with your adviser - this would typically incur a larger excess.
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.
Towergate Equine and Towergate Insurance Brokers are trading names of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered Address: 1 Minster Court, Mincing Lane, London, EC3R 7AA. Authorised and regulated by the Financial Conduct Authority.