Do I need separate insurance for my horse trailer?
Horse trailer insurance is a no-brainer if you ever transport horses. It is not legal liability insurance for your horse, but it will protect your horse trailer and the animals in the event of an accident.
Most comprehensive car and van insurance policies only cover horsebox trailers for third party liability.
It means you would be covered for any injury to a third party or damage to their property, but not if the horse trailer was damaged in an accident that was your fault. Third party cover also excludes theft and fire damage.
Horse trailer insurance will give you peace of mind. Call Sterling direct as our best prices are often available over the phone.
Benefits of getting a policy with Sterling
- Prices start from £90
- Covers trailers up to the value of £40,000
- Includes up to £1m public liability cover
- European cover for up to 30 days included
- Breakdown cover for horse trailers (optional extra)
- Claims helpline open 24/7
Prices start from £90 per year
Sterling compares quotes from various insurance companies so you get the very best deal. Phone one of our experts who will find a quote that works for you and your needs. Let us do all the work for you.
Cover for trailers up to the value of £40,000
If you’re ever involved in an accident that isn’t your fault, things can be far from straightforward. Our legal cover is a standard feature in our car insurance policies, and it can help you recover any uninsured losses.
Up to £1m in public liability cover
Sterling will also provide you with up to £1m public liability cover with its trailer insurance. As a standard feature in all of our trailer policies, it provides you with a certain level of cover if anything unexpected happened.
Includes European cover (for up to 30 days)
As well as being covered in the United Kingdom, Channel Islands and the Isle of Man, our trailer policies include up to 30 days in the European Union. Your trailer must be registered in the UK. Extensions for longer periods in Europe and locations further afield are available on request.
Horsebox breakdown insurance (optional extra)
Our breakdown cover for horse trailers is available through our partner Sterling Rescue. From £79 for the year, an expert recovery team that can manage a breakdown involving live animals is on standby. It also includes recovery of the horse trailer and up to three horses being transported.
Claims hotline is open 24/7
Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.
Frequently asked questions
What else does Sterling’s horse trailer cover include?
- Covers accidental damage, fire and theft.
- New for old cover on trailers up to three years old.
- Up to 17.5% discount for trailers fitted with security devices.
How can I save money on my Sterling horse trailer insurance policy?
You will find Sterling horse trailer insurance is great value for money, but you can save even more with up to 17.5% discount for trailers fitted with data tag security systems.
Sterling’s best deals are only available over the phone and cannot be found on price comparison sites.
How do I get an insurance quote from Sterling?
- Call Sterling on 0344 381 9990
- Use the online call back service
Who is Sterling’s horse trailer insurance designed for?
Sterling’s horse trailer insurance is designed for:
- Horse owners attending weekend events.
- Stable owners and horse trainers.
- People buying or selling horses.
- Owners looking to ride their horses at exciting new locations.
- Horse owners who want to take their mounts to Europe for a holiday or event.
Can I get breakdown cover for my horse trailer?
Sterling horsebox policies cover all eventualities – there’s even cover for horses in transit.
If your trailer or horsebox breaks down a team of specialists will come to the rescue with a top of the range horsebox to recover your horses.
In certain circumstances they will close the road you are stranded on, or lanes on a motorway, cordon off a safe haven, and pacify and protect your horses.
They will then recover the trailer or horsebox and horses and transport them to either your destination or your home.
Cover insures the recovery of the horsebox trailer and up to three horses (it will not recover your tow vehicle).
Where can I find cheap horse trailer insurance?
The trailer insurance specialists at Sterling are champing at the bit to find the best horse trailer insurance deal for you.
Sterling can also cover garden trailers, builders’ trailers, trailer tents, boat trailers, flatbed trailers, luggage trailers and teardrop trailers.
Whether your horse trailer is only used occasionally or is regularly on the road, Sterling has cover to protect you and your property.
Are there any horsebox trailer safety guidelines that I need to know?
- The weight of your horsebox trailer and contents must be within the vehicle’s towing ability and not more than 85% of the car’s kerbside weight if the horsebox trailer has brakes – 50% if it hasn’t. (Depending on when you passed your driving test the towing allowance may differ. Check for the latest Department for Transport advice.)
- Maximum horsebox trailer width in the UK and EU is 2.55m.
- Indicators, lights and brakes (where fitted) must work and the horsebox trailer must display the same number plate as the towing vehicle.
- Horsebox trailer speed limits on UK roads are 60mph for motorways and dual carriageways and 50mph on single carriageway roads. Horsebox trailers cannot use the outside lane of a motorway.