Livestock Trailer Insurance

Compare Insurance for a Livestock Trailer 

Transporting livestock can be expensive and dangerous. With live, active animals on board, you have to plan for any type of emergency. Livestock trailers or even a horse box are specifically designed to handle the rigours of this kind of work. However, livestock trailers do not come cheap, so it is important to protect your investment. That’s why consider livestock trailer or horse box insurance Whether you use a livestock trailer for personal or commercial use, insurance for a livestock trailer can prevent you from suffering serious financial loss. 

Our team at Quotezone.co.uk understands that transporting livestock is a difficult and time-consuming activity. You don’t necessarily have the time to phone around trying to figure out which livestock trailer insurance policy would best suit your needs. At Quotezone.co.uk we have addressed your concerns and have made it quick and easy to compare a wide range of quotes. 

How much does livestock trailer insurance cost, on average? 

The cost of livestock trailer insurance is affected by a diverse range of risk factors. Insurance companies factor these risk factors into individual policy prices, resulting in a broad range of premiums. Some of these factors and their impact will be affected by decisions made by the policyholder. The influence of other factors will be determined by the assessments of the insurance company. 

There is a quick and easy method of finding out what insurance for a livestock trailer could cost you personally. A visit to our platform Quotezone.co.uk will allow you to compare quotes from a wide range of reputable insurers. 

Do I legally have to insure a livestock trailer before I can tow it? 

You do not legally have to have livestock trailer insurance in the UK. The insurance of the vehicle towing the livestock trailer may cover the trailer while they are attached. But this is not always the case. So be sure to read the policy wording to find out what you are and what you are not covered for. 

While separate insurance for your livestock trailer is not legally required, there are many benefits to having this type of insurance. Livestock trailers and their contents are often valuable parts of a business and worth protecting. With livestock trailer insurance you can get comprehensive coverage for damage or theft of both your trailer and its contents. 

Does the type of driving licence I hold affect the cost of livestock trailer insurance? 

The type of driving licence can affect the type and size of trailer you can tow. If you are insuring a larger, heavier or more expensive livestock trailer, this can affect your insurance costs. 

Your licence impacts your livestock trailer insurance in the following ways: 

• Standard car licence (Category B) – With this licence you are legally allowed to tow a livestock trailer as long as the combined weight does not exceed 3500 kilograms. Premiums for towing a livestock trailer with a standard licence are typically lower when compared to licences for heavier trailers. 
• Category B+E – This category permits you to tow heavier trailers. Insurance premiums will usually be higher for this category than they would for a standard licence. This is because of the increased risk that comes with manoeuvring and having accidents with a heavier trailer.  
• Commercial driving licence – The cost of premiums will also depend on the driver’s history. This includes experience, their driving record and any convictions of penalty points they have on their licence.  

Can young drivers take out this type of insurance policy? 

Yes. You shouldn’t have a problem taking out a livestock trailer insurance policy as a young driver. 

There are however certain considerations that must be taken into account when a young person is taking out livestock trailer insurance. In the insurance industry, young drivers are considered the riskiest age group to insure. This is mainly due to their lack of driving experience and record. Due to these factors, young drivers should be aware that they may be charged higher insurance rates than other age groups. 

Does the type of livestock I transport in this trailer affect the cost of insuring it? 

Yes. The type of livestock that you transport can potentially affect the cost of livestock trailer insurance. Insurance companies consider many factors when insuring a livestock trailer, and the value of the cargo can be an important factor. 

Even in the case of choosing livestock trailer insurance that doesn’t cover the animals themselves, their value can provide an incentive to steal your trailer along with them. This can be a significant consideration for insurers.  

Does livestock trailer insurance cover theft of the trailer? 

When you insure a livestock trailer the type and level of coverage you select will determine whether the theft of your trailer will be covered. 

There are typically three main types of insurance, and they include: 

• Comprehensive Insurance – Offers the most extensive coverage, protecting you against a broad range of risks including the theft of the trailer. 
• Third-party Fire and Theft Insurance – This insurance is rather limited in comparison to the scope of coverage offered by comprehensive insurance. However, if your livestock trailer is damaged by fire or stolen you will be covered. 
• Third-party Insurance – Offering the most limited coverage, third-party insurance protects damage to the property of others and will not cover the theft of your livestock trailer. 

Are my animals covered by my livestock trailer insurance? 

Whether your animals will be covered depends on the terms and conditions of your livestock trailer insurance policy. 

Typically, livestock trailer insurance focuses on the trailer itself and does not automatically provide coverage for the animals being transported. You often have to take out specific add-ons or coverage like livestock transit insurance if you want to insure the animals in the trailer. 

Does livestock trailer insurance cover damage caused by road hazards like potholes? 

If you have comprehensive livestock trailer insurance, then damage caused by road hazards like potholes would typically be covered. Even though comprehensive insurance covers a broad range of incidents there may be some exclusions. It is good to familiarise yourself with any policy exclusions on your specific policy. 

Are there any exclusions I should be aware of with this policy? 

Yes, there will certainly be exclusions that you should be aware of when taking out a livestock trailer insurance policy. Exclusions are situations or circumstances that are uninsurable, or insurers refuse to cover. 

The specific exclusions may differ depending on your insurer, but common exclusions for livestock trailer insurance include: 

• Wear and tear. 
• Natural disasters. 
• Illegal activities. 
• Intentional acts. 
• Unauthorised use. 
• War or terrorism. 

Can I transfer my livestock trailer insurance policy to someone else if I sell my trailer? 

When you sell your livestock trailer you cannot typically transfer your insurance policy.  Livestock trailer insurance policies are determined on an individual basis.  

The standard procedure when you sell your livestock trailer is to cancel your livestock trailer insurance policy. It is then the responsibility of the new owner to arrange their own livestock trailer insurance. 

And if you are lucky, you may be eligible for a refund on the unused portion of your cancelled policy term. However, you can also be charged cancellation fees. It all depends on the policy and your specific insurer. 

What is the claims process if I need to claim on my livestock trailer insurance? 

While insurers may have their own claims processes, the common process used by most insurers is as follows: 

• Notify your insurance company as soon as possible following the accident or event. 
• Provide your insurer with as much relevant information as possible. 
• Submit all the necessary documentation like the police report. 
• The insurer will then assess the claim. 
• Settlement of the claim which could include replacing the livestock trailer. 
• The final resolution of the claim. 

Do I need animal insurance when using a livestock trailer?

Since a livestock trailer is only meant to insure the value of your trailer, having an additional animal insurance policy can offer you cover for you livestock also.

How can I find cheap livestock trailer insurance? 

The most effective way of finding cheap livestock trailer insurance is to shop around. 

Our platform Quotezone.co.uk can save you significant time in the shopping around process.