It can be hard to figure out what kind of horsebox insurance you need. You might or might not know that a horsebox needs insurance, but there are a few different ways to get it. It is important to make the right choice because if the horsebox insurance isn’t legal for some reason, you might not be able to make a claim. In this guide to horsebox insurance, you will find everything you need to know before you buy a policy.
What Kind Of Protection Should I Get For My Horsebox?
Horseboxes and any other trailers pulled by a car are legally required to have the right insurance. At the very least, it must be third-party insurance, which means that if you cause an accident, it will pay to fix other people’s cars. It is against the law to drive or tow a horsebox without protection. Besides being required by law, third-party fire and theft insurance can give you peace of mind that if you cause an accident, you won’t have to pay for huge losses out of your own pocket.
You are not required by law to have comprehensive coverage on your horsebox, but it is the best way to be safe in case of an accident. If you are at blame in an accident, comprehensive insurance will pay for both your own and other people’s repair costs. Most of the time, comprehensive insurance costs more than third-party fire and theft insurance, but many people think it’s worth the extra money because it can cost a lot to fix or replace a broken horsebox. You can find the one suitable to your needs with QuoteRadar Cheap Horsebox Insurance.
What Kind Of Protection Should I Get?
If you have comprehensive insurance, your repair bills will be paid if you have an accident. Most of the time, it costs the most, but it’s the most common and gives you the best coverage. Different plans cover different things, but most of the time, they will pay for damage the horse does to the car, as well as theft and broken windshields.
Sometimes third-party plans are less expensive, but they will only pay for the other person if you cause an accident or lose something in a fire or theft. It is up to you to pay for the repairs on your own car. Neither type of insurance will pay for injuries the horse gets while being moved. For that, you will require additional horse insurance.
Tell your insurance company that you use your horsebox for business purposes and make sure you get the right horsebox insurance business cover. A hire and reward policy is required if you want to transport horses for a charge or rent out the truck.
Who Can Drive My Horsebox?
If you let a friend borrow your horsebox, they can only drive it if they are named on your policy or if you have a “any driver policy.” Some insurance plans will cover more than one driver for your horsebox, and you can add more people for an extra fee.
When you get horsebox insurance, it’s helpful to list other drivers so that if you get hurt, they can take the horse home. It is your job to make sure that the person driving the car doesn’t have a bad driving record with crashes, claims, losses, or conviction points, and that they have the right kind of license.
