Do I Need Horse Trailer Insurance.

Do you need insurance to tow a horse trailer. Since you can extend your auto policy to cover your trailer to cover liability you technically dont need. Get in touch with Southeast Financial today to learn more. Some policies offer third party protection for trailers or caravans but wont cover damage to your trailer or its contents.

This is one of the biggest misconceptions we see among horse trailer owners. 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. However if you have an accident as a result of towing your caravan or trailer it can be very costly if youre not insured.

To find out what kind of coverage you need for your trailer locate an independent. Some link trailer insurance in with caravan insurance while others classify a box trailer differently to a horse float for example. Dont use the outside lane of a three or more lane motorway unless there are lane closures or the police instruct you to do so.

It is not a legal requirement to take out separate insurance for your trailer but if you tow a trailer to transport goods either commercially or domestically you should seriously think about it. The Role of Tow Vehicle Insurance Generally speaking an insurance plan that covers your tow vehicle may cover the trailer when it is attached in transport for liability only. There are many insurance companies and each has its own rules on the types of trailers it covers.

However that means that when your trailer is sitting on the lot or if it ever becomes detached the vehicle insurance. Since utility trailer insurance isnt generally required by law you may not have thought about adding a policy. You have adequate insurance.

I also was an agent for a direct. When you do its important that youre fully protected with a comprehensive horse trailer insurance policy to keep both you and your horses safe should the worst happen. 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.