Horse Trailer & Horsebox Insurance Terms and Conditions

Please note the following applies to policies taken out after 25 May 2022. We recommend consulting documentation provided at the time of your policy for the most accurate benefits and conditions.

Key Benefits

Cover is provided for accidental damage or theft to the horse trailer, up to a maximum of £2,000/£5,000/£8,000 (dependent on claim limit of product) or the current market value, whichever is the lesser amount.
In the event of accidental damage, recovery and delivery costs are included to take the trailer to the nearest repair station or deliver the trailer to your home (geographical limits apply). The cost of recovering any horse(s) being transported in the Horse Trailer to your address is covered up to a maximum of £500.
Costs of hiring an alternative trailer after loss or damage of the trailer rendering it unusable, for a maximum of 3 weeks and £100 per week.

Conditions & Exclusions

An excess applies to each and every claim of £100 for accidental loss or damage increasing to £150 in respect of Malicious Damage or Theft to/of the trailer or £300 in respect of Malicious Damage or Theft to/of the trailer whilst not at the insured’s home.
When not in use the trailer must be kept in a locked building or secured with a wheel clamp or hitchlock.
If, at the time of damage, the Horse Trailer sum insured is 85% or less of its market value then we will only pay out in proportion of the valid claim to that percentage. However, if you bought the Horse Trailer as new within 12 months of the start date of this policy and it is lost or it would not be economical to repair it; we will pay the purchase price or we may replace it as new at our discretion. (Applies to policies commencing after 1st June 2023)

Amendments, Cancellations and Payment

You have 14 days from receiving the policy to write confirming that you do not wish to continue, any premium which has already been paid will be returned in full. After this 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the policy is due, whichever is the lesser amount.
Amendments to policies and copies of insurance certificates are chargeable with a small admin fee of £10 per policy/certificate. This includes changing trailer chassis number.
If payments fail or do not process for any reason, your cover will stop with immediate effect.
Policies run for one year from the date of joining. Payments will be taken, monthly or annually depending on the options chosen during sign up and will recur until cancelled.
If you have made a claim or you are aware of an incident that may give rise to a claim during the current period of insurance, then you must pay the annual premium in full.

Trailer and Horsebox Policy Documents

Find the policy documents that apply to the date you took out your insurance below.

Please note that horsebox policies are only available by contacting our customer service team.

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Important Information

Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.
Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here
Personalised products are excluded from the FREE UK delivery offered to Gold and Platinum Members on HarryHall.com. Free delivery is offered to UK mainland customers only.
The LawAssure platform and legal helpline is available to the following members: Purchased or renewed a Gold, Gold Family, Gold Plus, Gold Plus Family, Platinum or Platinum Family Membership after 1st February 2024 and over the age of 18. See full terms of service here.
One Club Family members must all reside at the same address.
Harry Hall donates £0.10p from new, single orders to our nominated charity partners. Please note the following exclusions apply: renewals and gift cards
Shopping vouchers are delivered to marketing consented customers by email or in the One Club app and have a limited expiration and specific terms of use. Please refer to the email or promotion terms for further details and note that vouchers are single use for active members only and have a minimum order value.
In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.