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The American Saddle Breds Guide to Buying Horsebox Insurance

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Interesting Facts about Horses

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The American Saddle Breds Guide to Buying Horsebox Insurance

October 23, 2018November 23, 2018

Buying Horsebox Insurance

Do you have a horse trailer attached to your vehicle? Your main vehicle may be insured when you tow it, however this may only be for limited liability cover. It is likely that you will require a separate insurance policy to make sure you’re covered correctly.

This is where horse trailer and horsebox insurance enter the picture. Remember, this insurance does not cover the horse, a separate policy will be required for this.

Horsebox doesn’t have a clear definition and can sometimes be a confusing term. In most instances, a horsebox is generally a motorised or non-motorised vehicle that is used for carrying and transporting a horse. A non-motorised horsebox is also referred to as a horse trailer in the UK.

No matter how you decide to move your horse, or any other animal, it can be expensive to transport it from one location to another. Because of this reason, it is important to consider the right level and type of insurance. This well help you remain road legal, and protect yourself in the unfortunate event of an accident or incident, whether it’s caused by you or a third party.

Note: It is imperative to know that horsebox insurance or horse trailer insurance is not there to protect the actual animal. You will be required to purchase horse insurance separately.

Motorised Horsebox Insurance

It is a legal requirement to have the right insurance in place, if you plan to take a motorised horsebox on the road. Depending on the level of cover you select, it will protect you, and any third party. If you have decided not to take the horsebox for a drive, you will still be required to have insurance. However, cover is not required if you have registered the horsebox as being ‘off road’. This can be done with a Statutory Off-Road Notice, also referred to as ‘SORN’

Insuring a horsebox is similar to having appropriate cover for any other road vehicle. This means that you will have three main levels of cover to choose from. These are the following: Comprehensive, third party fire and theft, and third party only.

Third Party Only: This is the minimum level of cover that is required by UK law. It will cover damage to third-party property, liability cover for accident and/or injury, and liability when towing a horsebox or horse trailer.

Third Party, Fire and Theft: This covers the above, in addition, it also covers fire damage, malicious damage and theft.

Comprehensive: This covers the above, in addition, it can also provide cover for windscreen damage, personal belongings, accidental damage, loss or damage to a vehicle, and medical expenses.

Along with the three main levels of cover, horsebox insurance options have other nuances too. Insurers may also ask how many stalls the horsebox has, is there living accommodation and whether it has been adapted for use through conversion.

Horse trailers can be expensive. Think about the value of the horse trailer when comparing horsebox insurance quotes online.

Horse trailer insurance – general exclusions

As you may already know, horses are very heavy animals. A horse trailer should not weigh more than the vehicle that is towing it. For this reason, we recommend referring to the manufacturer’s guidelines of the horse trailer. Failure to do this may result in any claim you make being turned down, thus voiding your insurance.

Think about the security of your horse trailer. An insurance company may apply an endorsement to ensure you have a wheel clamp when the trailer is not in use. Registering your horse trailer on a recognised database can also help you improve security and meet specific insurance requirements.

As with most insurance policies, cover can vary from provider to provider. There will be many standard features as well as optional extras that can be purchased in addition to the main policy. Make sure you’re buying the right level of cover that meets your needs. Avoid paying for optional extras that are not important to you. Some insurers will include breakdown cover as standard, whilst others will offer this to you as an add-on. Breakdown cover will be essential for most, as you will need to either stable or transport your horse as soon as possible, if you’re involved in an accident or incident.

Is your horsebox or horse trailer used for business? If yes, you will need to consider a multitude of other insurance types. Some of these will be included within a horsebox insurance or horse trailer insurance policy, however, this doesn’t always apply. Here are a number of things to consider:

Employers’ liability insurance
Public liability insurance
Carriage of goods / Goods in transit
Haulage cover
Motor Trade Insurance cover (if you buy and sell horseboxes)

We hope you found this guide to buying horsebox insurance useful. For more helpful hints and tips, why not subscribe to our monthly newsletter.

Interesting Facts about Horses

September 20, 2018October 20, 2018

Horses are majestic creatures that capture our eyes every time we lay our eyes on them. It is no wonder over thousands of horse fanatics exist in the world obsessing over these beautiful animals. Here are some interesting facts about horses that might get you obsessing and adoring over them.

A male horse is called Stallion while a female horse is called a Mare. Castrated male horses are called by a different name known as Geldings.

Young horses are called differently based upon their gender as well. A young male horse is called a Colt whereas young female horses are called Fillies.

An astounding feature about them is the fact that a newborn baby horse can walk and even run within a matter of few hours post birth.

The skeleton of a horse is made up of precisely 205 bones.

Trained and tamed horses usually live up to a lifespan of 25 years. However, a horse named Billy was recorded to be the oldest tamed and domestic horse which died at the record age of 62 years past.

When a horse is standing, do not assume it is awake, as these creatures possess the ability to sleep while standing or lying down.

When a herd or group of horses stay together, they share a special bond. When every horse goes to sleep, at least one of them will move away and look out for the group while they rest ensuring a safe environment for them to rest.

Horses are herbivores which mean they only consume plant and vegetarian diets.

In typical photographs of horses, they can be seen as if they are laughing or smiling. But this is not the case as; horses do this movement in such a manner to help them smell better.

A regular horse can travel up to a top speed of 27 miles per hour. The fastest horse ever recorded in history attained a high speed of 55 miles per hour.

Horses have the most prominent eyes found in any land mammal. Since these large eyes are located on the side of their head, it nearly gives them a perfect 360-degree view of sight.

Whenever a horse gallops, all four hooves will leave the ground at one point in time when they run.

At first, horses were believed to be color blind which was later proved to be inaccurate, as these creatures can see colors quite clearly than others.

There over 300 different types of horse breed today.

Horses have facial expressions which give them human-like touch as they portray different facial expressions in different moods.

Other Popular horse breeds

September 2, 2017October 20, 2018

There are different exotic types of horses around the world. With each horse having its unique feature and coming in different shapes, colors and sizes. Here are a few of the common breeds favored among the equestrian circles.

Arabian

This breed has been favored and adored all over the world. With its roots hailing from the Arabian Peninsula, this breed can be identified through its distinctive head shape and proud tail carriage. Arabian horses are one of the oldest breeds out there known for their spirit and endurance capability.

Quarter horse

This American breed is particularly famous through the United States. These horses are remarkably fast over short distances and can be often seen competing in racehorse competitions or make excellent hunt seat mounts. They are mostly used for western pleasure riding and other events such as roping, cutting and barrel racing.

Thoroughbred

This athletic horse can be traced from England in the late 17th and 18th century and are praised for their spirit and heart. These breeds typically race horses, hunters, and jumpers as they serve mounts for fox hunting, polo, and dressage.

Tennessee walker

This particular breed of horse was bred in the late 18th century in the southern states of the U.S for use mainly on farms and plantations. Owing to their smooth gaits, the Tennessee walkers are used more of a pleasure mount as well as show horses.

Morgan

One of the oldest breeds to exist in the United States, Morgan breed horses are famous for their versatility. The Morgan horse is the state animal of Vermont. Although small in stature, they are big in heart and are mainly used as riding horses and excel in saddle seat disciplines.

Paint

The American paint horse is an exquisite and unique combination of the conformational characteristics and color patterns of a pinto. This breed of horse is mainly used as pleasure mounts.

Appaloosa

Bred by the Native American tribe of the Pacific Northwest, the Appaloosa is best recognized for its distinct, colorful spotted coat pattern. These horses are tough, sure-footed with big bodies and tails making them an excellent option for pleasure mounts and as trail horses.

Miniature Horse

Bred in Europe in the 1600s, these peculiar horses fall under 34-38 inches making them extremely small. Yes, these are horses itself, not ponies. Miniature horses serve the purpose of a service animal or driving horse.

Warmblood

Technically Warmblood isn’t a particular breed but a composition of the Hanoverian, Holsteiner, Oldenburg, and Trakehner. These horses excel as sports horses as they excel in jumping as well as dressage.

Andalusian

This Spanish breed is renowned for its nobility and prowess as a war horse. The Andalusian is composed of thick, long manes and tails accompanied by their pure strength, compactness, and elegance.

Horses Breeds

Guides

23 Oct / 0 / americansaddlebreds

The American Saddle Breds Guide to Buying Horsebox Insurance

Buying Horsebox Insurance Do you have a horse trailer attached to your vehicle? Your main vehicle may be insured when you tow it, however this may only be for limited liability cover. It is likely that you will require a separate insurance policy to make sure you’re covered correctly. This is where horse trailer and […]

Interesting Facts