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Horsebox Insurance - What Is It And Why Do You Need It?

Author : Samantha Frost

Before you discount the importance of getting horsebox insurance for your horse transporter, you should know that despite how careful you are on the road, accidents can and do happen. These accidents can happen at any instance and you may find yourself with damaged vehicles, trailers and such in the blink of an eye.

It is in the light of such possible occurrences that insurance policies are born. No matter how careful a person can be when it comes to driving, transporting goods, livestock or even precious cargo, some circumstances become hard to avoid when other factors come into play. Other people, nature and even odd occurrences can cause accidents to happen and it is better to be prepared for this than to suffer the consequences after.

When you talk about insurance, you will find that different policies covering different things bring with them different clauses and benefits. People who have horseboxes know that a horsebox insurance policy is different from other types of trailer insurance policies since this is used for a specific kind of trailer that may be prone to different kinds of problems on and off the road.

There are a few things that different trailer insurance policies have in common however, like coverage for fire and theft. You should also know that most of these policies have content or cargo coverage to help protect you from the huge costs that you may incur should something happen to the horse or cargo you are transporting.

A lot of insurance companies who have this type of insurance policy in their list of policies often know that your horsebox is more than just a transport vessel for your horse. This may be why a lot of them also have extra coverage for rescue service costs and horse transfer costs should you encounter minor problems with your horsebox on the road.

Various insurance companies have different stipulations when it comes to their horsebox insurance policies. While some permit policy owners to insure only the horsebox that is used to transport horses in, there are others that may suggest you insure the horses that you carry in these horseboxes as well.

There are also some that stipulate that you can only make claims on damages incurred to your trailer and its contents if only the designated drivers were behind the wheel when the accident happened. There are also others that do not cover your insurance needs if your trailer is above a certain age or number of years of use.

When you encounter such stipulations, you should think hard about what these things can mean to you and your horsebox when something happens. You should always do comparison shopping for horsebox insurance policies before you decide on getting one. Read the policy you are being offered and try to understand what it entails before you sign.

There are a lot of things that you need to consider when it comes to this kind of an insurance policy like restrictions, value of the trailer and value of the cargo. Make sure you truly understand what your policy covers. If you find that you are not sure about the policy you have in hand, ask for it to be explained or look elsewhere for a policy that you know you will be happy with.

Author's Resource Box

George Henderson is an expert when it comes to Trailer Insurance. To find out everything about horsebox insurance visit our website at Compare Trailer Insurance.

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Tags:   trailer insurance, catering trailer insurance, horse trailer insurance, horsebox insurance

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Submitted : 2011-06-02    Word Count : 397    Times Viewed: 347