However that means that when your trailer is sitting on the lot or if it ever becomes detached the vehicle insurance.

Do you need insurance to tow a horse trailer. Do you need insurance to tow a trailer. Most comprehensive car and van policies cover trailers but usually only for third party liability. Do I Need Horse Trailer Insurance.

Yes you can use your horse trailer for commercial purposes under a horse trailer insurance policy but please discuss this with your adviser - this would typically incur a larger excess. Just because you have comprehensive car insurance it doesnt mean youll be covered for towing - check your policy details to make sure. If you need to tow anything heavier than this youll have to pass the car and trailer driving test also known as the BE category test.

Rules for drivers with licences issued before 1 January 1997. I also was an agent for a direct. You are legal to tow a trailer you must hold a full driving licence and if you passed your test after 1 January 1997 youll have to take a separate towing test.

Youll need to buy specific insurance for a tow trailer rental through the rental company for protection. Since utility trailer insurance isnt generally required by law you may not have thought about adding a policy. If you own horses theres a good chance theyll need to be transported at some point.

Get in touch with Southeast Financial today to learn more. This is one of the biggest misconceptions we see among horse trailer owners. Some policies offer third party protection for trailers or caravans but wont cover damage to your trailer or its contents.

And make sure you do because you wont get let off lightly if you get caught. Just as you have insurance on your car you should have insurance on your horse trailer. While some companies may choose to throw in small limits of insurance for damage to either owned or non-owned trailers as part of an endorsement package the best way to receive coverage for physical damage to a trailer you are towing is by scheduling the trailer on the policy stating its value and selecting comprehensive coverage or both comprehensive and collision coverage.