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All about your horse trail insurance
Is insuring a horse trailer mandatory?
To transport your horse over a greater distance in the safest way possible, a horse trailer is a godsend. In principle, it is not mandatory in the Netherlands to insure a horse trailer separately. If the horse trailer is coupled to the car, the trailer falls under the WA car insurance. With a WA insurance, damage you cause with the horse trailer to others is compensated. Damage to your own horse trailer does not fall under the coverage of a car insurance and is therefore not compensated. In this case, it makes no difference whether you have third-party, limited-casco or all-risk insurance. Only damage to (vehicles of) others will be compensated.
If the horse trailer is unexpectedly damaged and you do not want to pay for the costs yourself, it is wise to insure the horse trailer. You can do this with trailer insurance. This is because the amount to have damage to a horse trailer replaced can be very high, especially if it is a new trailer.
Can I insure a horse trailer with trailer insurance?
To insure your horse trailer against damage and theft, you can purchase trailer insurance. Through alpina.nl you can easily compare the different insurers. Also pay attention to the conditions. These may differ from one company to another. For example, not every insurance company covers it if the horse itself damages the trailer. If you have found a suitable insurance, you can take out an insurance policy directly online.
What driver's license do I need for a horse trailer?
To drive a car with a horse trailer behind it, you usually need driving license BE. This depends on the weight of the trailer and the horse. Only driving license B is not enough. If you do go on the road with a horse trailer without driving license BE, the coverage of the car and horse trailer insurance is cancelled. You are driving without a valid license and you risk a fine. So before you take a horse trailer on the road, check which license is required.
What is insured with trailer insurance?
What is covered under trailer insurance may vary from one insurance company to another. For a horse trailer, you take out a trailer insurance policy indicating that it is a horse trailer. Coverage usually includes:
- Theft
- Fire
- Damage due to own fault
- Vandalism
- Natural violence
The specific coverages that apply vary by insurer and can be found in the relevant policy terms and conditions.
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