HorseBox Insurance – What Does It Really Cover?
Horsebox insurance may not be required by law. However, if you take into account the value of horse trailers, you can be sure that your horse insurance is well covered. Due to their size, these containers are prone to accidents and it is handy to choose a policy that protects you in the event of the unexpected.
Insurance policies for horse boxes vary from one insurer to another, and you should take the time to know which insurance policies you want to purchase. It is also important to note that additional functions on the horsebox, especially those related to safety and protection, can lead to better insurance rates. It is important that you inform your insurer of any changes you make to the back of the horse so that your insurance conditions can be revised accordingly. You can also request additional coverage, which you deem necessary, so that your policy can be tailored to your individual needs, if possible.
When it comes to horse insurance, the worst part is taking out insurance only to find out later that most of the things that are important to you are not covered. Generally, the following are covered:
- Accidental damage
- Theft, fire and damage caused by third parties
- Attempted theft
- Use abroad
- Personal accident, medical expenses and articles
- Damage to windows and windshield
- New vehicle exchange
In case of failure:
Some horsebox insurance policies are quite comprehensive in that they offer you cover even in the event of a breakdown. The truth is that the failure of a horse-drawn carriage can put a strain on you, especially in situations where you have a horse with which you also have trouble. When you work with an insurance company that offers this type of coverage, you don’t have to worry as much, even if the unexpected happens. Insurance coverage can be purchased with horse insurance or separately, whichever option is best for you.
The advantage of horse insurance in the event of a breakdown is that you get 24-hour assistance when you need it most. You don’t have to spend a cold night away from home just because your horse trailer has problems and you have to wait until dawn for help and be on the go. The protective cover is very comfortable and generally includes:
- Empty batteries
- Electrical and mechanical failures
- Keys stolen and lost
- Damage caused by vandalism, fire and accidents which leave the horsebox in a non-passable state
In addition to knowing what your horse insurance covers, it is also very important that you know the conditions of the bonus and the deductible without any claim. Conditions vary from provider to provider and you should be aware of the offers from your chosen insurance company in the policy. It is actually best to learn as much as possible about horsebox insurance before comparing policies and making a selection.
With the right horsebox insurance, you can rest easy when using the horse chest at home, at a competition or even on the go. Always take the time to find out what your policy covers and what conditions apply.
If you need an insurance for your horse, you should consider reading this article: https://vetsimo.com/pet-health-insurance-what-it-is-and-how-it-is-beneficial/.