What is Horse box Insurance?
As horses become more popular among sports lovers and groomers, the business of transporting horses is also burgeoning. Any serious horse owner already knows the importance of considering insurance cover for horse boxes.
Horsebox insurance is a type of cover which offers protection for vehicles used to transport horses. This is often a daunting and stressful task and for this reason, many people avoid getting one. We at mymoneycomparison are committed to making this process seamless. We will help you compare horsebox insurance quotes online.
Is Horse box Insurance Required Legally?
To transport your horse using a motorized horsebox, you are required by law to have appropriate horsebox insurance. For horsebox vehicles which have been registered off-road, they are permitted not to have insurance, however, they must be registered as off-road with a Statutory off Road Notice (SORN).
If you do not want to go through stress, you can simply compare horsebox insurance quotes online. This will help to protect your pocket and ensure you stay on the road legally. You should know, however, that horsebox insurance or horse trailer insurance won’t provide cover for the animal itself. You will need to arrange for a separate horse insurance in addition to a horsebox insurance for double protection.
Factors to Consider When Getting Horse box Insurance
When you compare Horsebox insurance quotes, there are some factors you need to consider. The weight of the horsebox, business operation, etc. should all be accounted for. As you know horses are very heavy animals. The weight of the load and the trailer shouldn’t exceed that of the towing vehicle. If the weight of the trailer is more than that of the towing vehicle, it could lead to the invalidation of your horse trailer or motorised horsebox insurance.
Types of Horse box Insurance
The types of insurance cover for horse boxes are detailed below.
Third Party Only (TPO) Horse box Insurance Cover
TPO covers damages as regards to Third Party properties. It’s required by the law for drivers to also help cover liability for injuries, and also liability while towing a trailer.
Third Party Fire and Theft (TPFT) Horse box Insurance Cover
TPFT covers both the elements covered by the normal third party insurance. It also provides security against theft, fire damage, and any other damages done to the vehicle.
Comprehensive Horse box Insurance Cover
Comprehensive basis offers all the coverings that TPFT offer. It also covers loss or damages done on vehicles, personal effects, damages caused by accident, medical expenses and even protects things like the vehicle’s windscreen.
However, the range of insurance for horseboxes varies. Therefore, beyond the three basic choices of insurance, there exists an HGV insurance. This is related to weight issues. Any weight under 3.5 tones can be covered by van policies.
In addition, in choosing your horsebox insurance, you can also watch out for unlimited mileage, horsebox insurance quotes, comprehensive horsebox insurance cover, and the breakdown available for the horsebox insurance cover.
Horse Box Trailer Insurance or Motorised Horse Box Insurance
Since horse trailers are expensive, it is wise that you compare horsebox insurance policies first before you get your horse trailer covered. Third party liability is best to be considered as a covering for your trailer. Although, the value of the trailer itself might not get covered.
When comparing insurance cover for horse trailers, things like liability, theft, accidental damage and loss should be considered. Also, repair, recovery and even the delivery of the trailer and its contents should be provided for.
Security should be an important consideration for insurers because horse trailers are vulnerable to theft. To ensure security, you can register your trailer on a database.
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