Horse box insurance may not be required by law, but considering how valuable horse trailers are, you can be sure that yours is well covered. Because of their size, these containers are prone to accidents and it is convenient to choose a policy that protects you in the event that the unexpected occurs.
Insurance policies for horse stalls vary from insurance provider to insurance provider, and you should take the time to find out which policy you want to accept. It is also important to note that additional features on the horse housing, particularly in relation to security, can lead to better insurance rates. It is important that you inform your insurer of any changes you make to the horse’s back so that your insurance conditions can be reviewed accordingly. You can also request additional coverage, which you may find necessary, so that your policy can be tailored to your individual needs, if this is possible.
When it comes to horse box insurance, you can only sign up with insurance coverage to later determine that most things important to you are not covered. The following are generally covered:
· Accident damage
· Theft, fire and third party damages
· Attempted theft
· Overseas use
· Personal accident, medical expenses and property
· Damage to windows and windshield
· Replacement of new vehicles
In the event of a breakdown
Some horse box insurances are quite extensive in that they also insure you in the event of a breakdown. The truth is that collapsing a truck can overexert you, especially in situations where you have a horse that you’re in trouble with. If you work with an insurance company that offers this type of insurance coverage, you won’t have to worry as much even if the unexpected happens. Insurance coverage can be purchased with horse box insurance or purchased separately, depending on which option is best for you.
The advantage of horse box insurance to cover breakdowns is that you get help around the clock when you need it most. You don’t have to spend a cold night out just because your horse trailer is having trouble and you have to wait until dawn to get help and be on the go. The breakdown cover offers a lot of comfort and usually covers the following:
· Empty batteries
· Electrical and mechanical interference
· Stolen and lost keys
Damage caused by vandalism, fire and accidents in which the horse box is no longer accessible
In addition to knowing what your horse box insurance covers, it is also very important that you know the terms of the no claim bonus and deductible. Conditions vary from provider to provider and you should familiarize yourself with what your chosen insurance company offers you in the policy. It is actually best to find out as much as possible about horse box insurance before comparing the policies and making a choice.
Source by Jovia D’Souza