Don’t be caught out on the road – get covered

As any horse owner or rider knows, there’s often a fair amount of travelling involved when it comes to horses, whether that’s heading off to competitions, the vet or any other appointments, or simply somewhere new for a hack.

We talked to The Insurance Emporium about the importance of insurance, not only for your horse but for your trailer, too, because it doesn’t matter if your horse is transporting you or you’re transporting your horse, accidents can happen anywhere.

Here’s what they had to say.

A sound investment

While horses can bring a lot of pleasure, they’re not the cheapest animals to own. Apart from the initial cost of buying your horse, there are livery costs, feed, bedding, farriers, dentists, tack and vet fees for routine treatments such as vaccinations. It can all add up quite quickly, so imagine having to suddenly find the money to pay vet fees after an accident or illness, or what if you’re at an event and your horse is spooked and kicks out at another horse, or even a rider? These unexpected bills can end up being pretty large.

Having a suitable insurance policy may be important for your horse and his care, so it could be worth considering. For good all-round policies, those at The Insurance Emporium come with cover for death, theft or straying as standard, but you can also add other benefits as required, including public liability, personal accident and vet fees for injury and illness.

Out and about

While you’re not legally obliged to have horse trailer insurance, towing a trailer does come with risks, so having reliable cover is advisable if you do any of the following…

• Attend horse shows or other events either in the UK or Europe
• Buy or sell horses
• Own stables
• Train horses
• Take your horse on holiday either in the UK or Europe

Horse trailer insurance with The Insurance Emporium always includes cover for fire, theft and accidental damage, but you can add extras to suit your needs, such as loss of entry fees, European cover, and UK recovery and replacement hire. The only policy requirement is for a proprietary wheel clamp (that fits into the recessed well on the inside of the wheel) to be fitted when your trailer isn’t in use or is in use but unattended.

Transportation is a necessary part of equestrian life, so, if you want to avoid unexpected large bills, it makes sense to consider insuring your trailer as well as your horse. The Insurance Emporium has years of experience in tailored, specialised horse insurance so visit its website today for a free, no-strings quote with up to 30% discount and, as a Horse&Rider reader, you’ll also benefit from a special *5% discount simply by using the promo code NEIGH99.

Offer ends 31/12/2025 and is not available in conjunction with any other promo code. The Promo Code Discount is available from the start of the policy until its first review/renewal date.

Lifestyle Policy Limited is an appointed representative of The Equine and Livestock Insurance Company Limited. The Insurance Emporium is a trading name of The Equine and Livestock Insurance Company Limited (registered in England and Wales no: 294940) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority no: 202748.

All content provided on this blog is for informational purposes only. We make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any loss, injury, or damage arising from the display or use of this information. This policy is subject to change at any time.

We offer a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.