Horse in Box Insurance

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Horse in Box Insurance
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Horsebox and Trailer Insurance Horse owners who
are serious about owning equine champs for
equestrian sport and for leisure rides should
definitely consider availing horsebox insurance.
Transporting horses is a serious matter since
this is usually a prized animal being taken to
the vet or the sporting venue. These horseboxes
and trailers are often costly, thus, it's only
sensible to insure such expensive
investments. Just think about the prolonged hours
when your horsebox is parked at the event
venue. It is left unattended on unsecured
grounds and quite susceptible to thieves who may
be lurking in the area. If you have horsebox
insurance, its
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policies may be able to cover not just the box
itself, but the tack and equipment as well.
Horsebox Insurance Requirements Owning a
horsebox also entails setting aside a budget for
its insurance since there are annual
requirements involved such as yearly plating.
Structurally, as part of the insurance
conditions, it is a must for trailers to have
wheel clamping system for parking. Make sure to
talk to an agent regarding the complete
requirements and to know the horsebox insurance
policy that suits your needs. Coverage Horsebox
insurance policies apply whether you're on the
road, at an equine competition, or at home.
Additional coverage and other extras are
available particularly for tack and
equipment. Below is just a short list of what
these policies can cover
horsebox with a maximum of four stalls trailer
insurance public liability insurance for
claims (ensuing the use of horsebox, trailer, or
horse- drawn vehicle) limited mileage discounts
protected 'no claims bonus'
motorised horsebox with a maximum of four
stalls private car 'no claims bonus' allowable
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public liability insurance for claims (ensuing
the use of horsebox, trailer, or horse- drawn
vehicle) 4x4/towing vehicle insurance
theft, fire and accidental damage replacement
of old to new horsebox, trailer or horse-drawn
vehicle cover for European use private car
'no claims bonus' allowable immobilisers/securi
ty discounts
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Benefits of Horse box Insurance Horsebox
insurance policies can
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provide the following benefits as well
Competitive premiums recovery
roadside assistance drivers aged 25 to 69
UK breakdown and recovery services home
breakdowns
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Trailer Insurance Get multiple quotes for
horse trailers motorised and non motorised from
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Horsebox and Trailer Bylaws The bylaws that
govern the ownership and operation of horseboxes
and trailers are somehow still uncertain. For
years, the equestrian press featured plenty of
articles which focus on the issues of
non-compliant safety guidelines and have
cautioned the
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possible dangers to both humans and horses where
these are violated. The VOSA (Vehicle and
Operator Services Agency) had recently tried to
establish more clarity on such rules. The agency
has also published a helpful guideline together
with the British Horse Society and other
equestrian organisations and groups. The guide
is available on the UK government web
site Driving Licence Restrictions Horsebox
drivers should be fully aware of the proper
license they must possess, that is to ensure
their licenses are appropriate for the size and
type of vehicle they drive. Key
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Get Online Quote Typically, for a vehicle
weighing up to 3.5 tonnes, a category B license
(usually for private cars) is required.
For vehicles between 3.5 to 7.5 tonnes, a C1
category license is required from the driver.
They are also permitted to drive tow
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trailers of up to 0.75 tonnes (maximum gross
weight).
Automatic entitlement from B license to C1
license no longer applies for drivers who took
the test for category B license later than
January 1, 1997.
Check the UK government website for in-depth
guidelines on driving licence
VOSA/MOT/Plating Requirements Among the
legalities of owning a horsebox is having an
annual VOSA test (MOT / plating) in order to
ensure that it meets the minimum road safety
and environmental standards. Aside from the
annual testing, VOSA also carries out regular
checks all throughout the entire Great Britain
road network. You can expect a routine
inspection if your vehicle happens to be in the
same area as the VOSA inspectors.
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Maximum Vehicle
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Weight
The load carried must never exceed the vehicle's
maximum weight, as per law. The ministry or
manufacturer's plates (usually set on the inside
of the passenger door frame) specify these
weights and should always be adhered to on all
vehicles.
Weight of Towing Vehicle The towing vehicle's
weight should be its combined actual weight and
of the trailer, but should not exceed that
maximum train weight of the towing vehicle.
Calculate properly the combined weight of the
trailer, horse/s, tack, passengers, and other
equipment since extra spaces for other stuff can
add to the final combined weight. Horse Trailer
Security If you own an Ifor Williams horse
trailer, it is automatically registered on the
company's database and the TER ( National Plant
and Equipment Register). You can register on the
national database yourself to ensure your horse
trailer's serial number can be traced back in
case your trailer is stolen. Using Anti-theft
Device There are horsebox insurance policies
that require one or more anti-theft devices.
However, it is possible for these insurers to
refuse claims if the anti-theft device was
fitted but not used. Make sure to clarify this
issue during your search. The aim of getting
horsebox insurance is to provide peace of mind
to horse owners whenever and wherever they are.
Of course there are certain security measures
involved to further protect your horsebox and
its contents - horse/s, equipment, and other
essential
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supplies. If you are a serious equine owner, you
need to look for the best insurer out there to
avoid costly mistakes. Choose only a specialist
in the field of horsebox insurance policies to
help you understand the coverage and benefits
available to you.
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