Horse box insurance may not be required by law, but considering how valuable horse trailers are, you’ll feel more comfortable knowing yours is well covered. Due to their sizes, these containers are prone to accidents and it’s handy to choose a policy to keep you covered in case the unexpected happens.
Horse insurance policies vary from insurance provider to insurance provider and you should take your time to find out what is covered by the policy you are about to settle for. It’s also important to note that additional features in the horsebox, especially those related to safety, can get you better insurance rates. It is important that you inform your insurance provider of any changes you make to the horse, so that the terms of your policy can be revised accordingly. You can also request any additional coverage you deem necessary so that your policy can be customized to meet your individual needs if that is possible.
When it comes to box horse insurance, the worst thing you can do is purchase insurance coverage and then find out that it doesn’t cover most of the things that are important to you. In general, it will cover:
accidental damage
Theft, fire and damage to third parties
expected robbery
use abroad
Personal accidents, medical expenses and belongings
Damage to windows and windshield
New vehicle replacements
In case of breakdown
Some horse box insurance policies are quite comprehensive, as they also offer you coverage in the event of a breakdown. The truth is, a horse-drawn truck breakdown can stress you out, especially in situations where you have a horse that is distressed from having to deal with too much. When you work with an insurance company that offers this type of coverage, you’ll have less to worry about even when the unexpected happens. Coverage can be purchased in conjunction with box horse insurance or purchased separately depending on which option you find most suitable for you.
The advantage of having horse trailer insurance that covers you in the event of a breakdown is that you can get assistance 24 hours a day when you need it most. You don’t have to spend a cold night away from home just because your horse trailer is in trouble and you have to wait until dawn to get help and get moving. Breakdown coverage offers a lot of convenience and generally covers:
discharged batteries
Electrical and mechanical breakdowns
Stolen and lost keys
punctures
Damage from vandalism, fire and accidents that leave the horse box in an unmanageable state
In addition to finding out what your box horse insurance policy covers, it is also very important that you find out the terms and conditions of the bonus and deductible. Terms vary from provider to provider and you should be comfortable with what your chosen insurance company offers you in the policy. Actually, it’s best to find out as much as you can about horse insurance before you compare policies and make a decision.