Giving other horses a 'lift' in your lorry / trailer - Insurance Query

Fabforester

Fabforester

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Just an initial query, if you came to an agreement with a friend or friends to take them and their horses to a show / ride / event, could an insurance savvy HHO let me know how the insurance works in the unlikeley event of an incident en route?

Thanks
 
Your absolutely fine and will be covered!

If you have a business and are charging you need totally different cover and you need a defra license I believe - but taking a friend is no problem!
 
I must have got it wrong as I thought that even taking friends was counted as a business these days....there's something about financial gain, so if they are giving you money for fuel....but don't quote me, I could be completely wrong.
 
OK, I will take a look into this more. The situation is - already going to an event with your own horse/s, have space to take another, in return for fuel money or whatever is agreed.
 
VOSA have agreed that private individuals who give lifts to other private individuals do not count as "commercial" providing that no profit is made by the vehicle owner.

So splitting the diesel cost between you - or even taking friend's horse by itself and asking for money to cover all the diesel that is used - is fine. That is not considered "Hire or Reward".

If friend decides to give you an additional gift out of the kindness of their heart - that's up to them.

However - if you start factoring costs of keeping the lorry, eg. insurance, servicing etc, then that is starting to lead into muddy waters.
 
The "no profit" thing sounds correct.
I was advised by my insurers that I could transport friends horses and they could contribute to the cost of the fuel and i would still be covered as long as I wasn't making a profit.
 
lagartijamick said:
The "no profit" thing sounds correct.
I was advised by my insurers that I could transport friends horses and contribute to the cost of fuel and i would still be covered as long as I wasn't making a profit.
Click to expand...

That's pretty much what I was told when I queried it with my insurers. I was in the position of being the only available mum with a lorry and there were a collection of pony club kids and ponies needing to get places. It is perfectly fine for me to give my daughter's friends and their ponies a lift provided I am making no money from it.
 
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