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What insurance for a horse trailer?

What is a van?

It’s about a trailer, in the same way as the caravan, which is towed by a car or utility vehicle. The horse-drawn van is made up of a bodied space and 4 wheels. Long and high, it can usually accommodate one or two horses. However, there are larger trailer models that can accommodate up to 4 horses.

Which van insurance to choose?

The obligation in terms of trailer insurance is defined by the very nature of the latter. As soon as a trailer weighs up to 750 kg, it is insured by car insurance of the one towing it. On the other hand, if the weight exceeds 750 kg, the trailer is individually insured. Horse-trailer insurance is therefore specific insurance that will be taken out individually to cover the horse-trailer and any material damage it may suffer.

>> CLICK HERE TO COMPARE TRAILER INSURANCE <

For the record, this is GVW (gross weight allowed) which is taken into account at the time of calculation. If some horse trailers weigh, empty, less than 700 kg, the GVW is a minima of 1000 kg.

Insuring a horse trailer is mandatory, whatever the nature of it.

Van insurance according to use

The van insurance you should take out depends on your activity. Some insurance companies offer three solutions:

  • leisure insurance : you have a horse for fun and want to insure your van, this solution concerns you;
  • van insurance for equestrian centers : this time it is a professional insurance which allows to transport horses and to lend a van on an occasional and unpaid basis;
  • van insurance for professionals such as horse trainers.

What guarantees for van insurance?

The guarantees to be taken out vary according to the insurer you use, but also according to the formula chosen. Among the guarantees offered are:

  • damage caused by the van to a third party (bodily injury and material damage): this is the civil liability guarantee;
  • the theft of the van ;
  • van fire ;
  • damage caused to the van by horses ;
  • broken glass ;
  • the defense and recourse guarantee ;
  • legal protection ;
  • natural and technological disasters ;
  • climatic events ;
  • damage all accidents ;
  • breakdown assistance ;
  • towing costs ;
  • repatriation costs.

The choice of insurance depends on your needs. Most of the time, as with any vehicle, you can choose from three solutions:

  • third-party insurance which essentially offers civil liability ;
  • third-party intermediary insurance with additional guarantees such as fire or theft;
  • Back to back insurance which covers all risks as its name suggests.

However, some insurance companies offer a range of formulas, compare the offers to find the one that suits you the most. This could for example be determined by the age and value of the van. For a recent van, it is preferable to take out solid guarantees to obtain compensation that meets your expectations in the event of a claim.

>> CLICK HERE TO COMPARE TRAILER INSURANCE <

Making the right choice is take into consideration the following points :

  • guarantees ;
  • exclusions : it can be material damage caused by the vehicle towing the van, rotting of the floor by horse droppings, etc. ;
  • compensation ceilings : they are more or less high depending on the level of guarantees and the insurers;
  • franchises : they apply differently depending on the claim (theft, natural disasters, damage caused by horses, towing, etc.).

If you already have horse trailer insurance and are considering changing it, you must first terminate your current contract. As with car insurance contracts, according to the Hamon law, termination is possible at any time after one year. You do not need to justify yourself to your insurance company.

To cancel, two solutions:

  • you send a letter to your insurer ;
  • you let your new insurer take care of this process.

Even before your van insurance is terminated, you need to find other cover to meet your insurance obligation. In this case, the insurance comparator is essential. Indeed, making a comparison allows in just a few minutes to obtain quotes and thus to study the offers of different insurers. Find the best quality/price ratio to be sure of being well insured while preserving your budget.

Then, to take out insurance for your van, you can, depending on the insurers, carry out this process online. All you have to do is complete a form with some information and attach the requested documents.

You will then receive your green card which will justify the subscription of an insurance contract in the event of control.

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