Horse Trailer & Horsebox Insurance Terms and Conditions

Please note the following applies to policies taken out after 25 May 2022. We recommend consulting documentation provided at the time of your policy for the most accurate benefits and conditions.

Horse Trailer Key Benefits

  • Cover is provided for accidental damage or theft to the horse trailer, up to a maximum of £2,000/£5,000/£8,000 (dependent on claim limit of product) or the current market value, whichever is the lesser amount.
  • In the event of accidental damage, recovery and delivery costs are included to take the trailer to the nearest repair station or deliver the trailer to your home (geographical limits apply). The cost of recovering any horse(s) being transported in the Horse Trailer to your address is covered up to a maximum of £500.
  • Costs of hiring an alternative trailer after loss or damage of the trailer rendering it unusable, for a maximum of 3 weeks and £100 per week.

Horse Trailer Conditions & Exclusions

  • An excess applies to each and every claim of £100 for accidental loss or damage increasing to £150 in respect of Malicious Damage or Theft to/of the trailer or £300 in respect of Malicious Damage or Theft to/of the trailer whilst not at the insured’s home.
  • When not in use the trailer must be kept in a locked building or secured with a wheel clamp or hitchlock.
  • If, at the time of damage, the Horse Trailer sum insured is 85% or less of its market value then we will only pay out in proportion of the valid claim to that percentage. However, if you bought the Horse Trailer as new within 12 months of the start date of this policy and it is lost or it would not be economical to repair it; we will pay the purchase price or we may replace it as new at our discretion. (Applies to policies commencing after 1st June 2023)

 Horse Trailer Amendments, Cancellations and Payment

  • You have 14 days from receiving the policy to write confirming that you do not wish to continue, any premium which has already been paid will be returned in full. After this 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the policy is due, whichever is the lesser amount.
  • Amendments to policies and copies of insurance certificates are chargeable with a small admin fee of £10 per policy/certificate. This includes changing trailer chassis number.
  • If payments fail or do not process for any reason, your cover will stop with immediate effect.
  • Policies run for one year from the date of joining. Payments will be taken, monthly or annually depending on the options chosen during sign up and will recur until cancelled.
  • If you have made a claim or you are aware of an incident that may give rise to a claim during the current period of insurance, then you must pay the annual premium in full.


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Horsebox Cancellations    

  • You may cancel this policy within 14 days of purchase, or within 14 days from the day on which you receive the insurance documents whichever is the later.   
  • Where cover has not yet started, we will provide a full refund of the premium paid.  
  • Alternatively, if cover has started, we will refund the premium for the exact number of days left on the policy, as long as no claim has been made.  
  • We will also do this if you want to cancel your policy within 14 days after renewal.   
  • You may cancel this policy anytime during the period of insurance and we will refund the premium for the exact number of days left on the policy. Any underpayment by you will be offset against any cancellation return of premium. 

Important Information

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