How to get trailer insurance after making a claim?

[Muddywellies]

My trailer was stolen last week. I made the claim and then cancelled the policy as I don't own the trailer anymore. Went back to them today to get new trailer insured and they said no as I've had a claim in the last 3 years ! That is Anthony D Evans. SEIB have said no, Julie Andrews have said no.
This is truly breaking me as my beautiful trailer was stolen and now I am unable to replace it as no one will I sure me (I can't have an 8.5k trailer uninsured)

Where's the justice in this. I'm a victim here and I'm being kicked in the teeth when I'm already down. Do I now have to have no trailer for 3 years, halting all competing and training?

 

[Annagain]

That does seem unfair. I could understand an increased premium but not to refuse it altogether.

Can you talk to them about what you'd need to do to be accepted? Maybe something like storing the trailer elsewhere (in case they're concerned that the thieves will come back knowing there will probably be another one there) might help?

 

[Muddywellies]

That does seem unfair. I could understand an increased premium but not to refuse it altogether.

Can you talk to them about what you'd need to do to be accepted? Maybe something like storing the trailer elsewhere (in case they're concerned that the thieves will come back knowing there will probably be another one there) might help?

Honestly, it was a flat no. Truly truly amazing.

 

[asmp]

Have you tried KBIS? I’ve used them for a while and they paid out for repairs when a shed blew on my trailer in a storm.

 

[Rowreach]

Normally with insurance it would just carry on for the remainder of the year but be attributed to the new vehicle. And then there's no break in cover and you can just renew it as normal (albeit possibly with a higher premium). I'm thinking it's because you have cancelled it that they won't issue a new policy.

Harry Hall would probably insure you but I'm not sure their values go up to that sort of price.

Have you tried NFU? They are well used to people making claims on stolen trailers.

 

[Muddywellies]

Normally with insurance it would just carry on for the remainder of the year but be attributed to the new vehicle. And then there's no break in cover and you can just renew it as normal (albeit possibly with a higher premium). I'm thinking it's because you have cancelled it that they won't issue a new policy.

Harry Hall would probably insure you but I'm not sure their values go up to that sort of price.

Have you tried NFU? They are well used to people making claims on stolen trailers.

We've got the horse with NFU but sadly they don't do trailers

 

[Rowreach]

We've got the horse with NFU but sadly they don't do trailers

They covered mine but maybe that was under my farm insurance.

 

[LEC]

Try these guys - they were one of the most reasonable with my cheval - https://www.towergateinsurance.co.uk/equine/horse-trailer-insurance

 

[Upthecreek]

I have my horses and my trailer insured with NFU.

 

[Fred66]

We've got the horse with NFU but sadly they don't do trailers

I have my trailer insured with NFU it is an add on to the car insurance
I also had a claim on a previous trailer albeit as a write off due to damage caused by the horse
There was a gap between trailers as well

 

[EnduroRider]

I have my horses and my trailer insured with NFU.

Same. They most definitely do insure trailers.

 

[Michen]

Or for now buy a cheaper trailer. You can get a perfectly good ifor 505/510 for 3.5k that's sound and useful.

ps sorry about traiker

 

[meesha]

Sorry to hear about trailer. When mine was stolen I was refused insurance by 2 companies ...1 said would insure it on my drive but another did agree to insure new trailer being kept at same location, premium and excess were higher. Once I moved yards premium went back to normal amount on renewal. Will dig out who agreed to insure it (was only last year)

Regarding cancelling policy I was told once you had claimed policy ended and didn't carry on till end of year!! Seemed wrong to me !!

 

[meesha]

Towergate insurance sorted it for me...was £350 (trailer was worth £3.5k)

Good luck

 

[Clodagh]

I think it’s probably because you cancelled.
For instance I’ve cancelled all my dog insurance and as I have had a claim on one policy in the last 12 months I had to let the year run its course.
I wonder if you should have just claimed but kept paying? After all (ha ha) it may have been found and returned to you after a few days?

 

[Art Nouveau]

are they getting confused as to where YOU cancelled the insurance, or your INSURER cancelled?
One of the questions asked will be have you ever had insurance cancelled, declined or renewal terms not offered. I wouldn't answer yes to that question when it's you cancelling, not the insurer, so maybe make sure the new insurers understand that? I feel for you, I had two claims on my house insurance this year and one incident (ie no payout but insurers need to know it happened) and it has been an absolute nightmare trying to find new insurance, and very expensive too!

 

[Orangehorse]

Won't your car insurance company add it?

I agree that the question about insurance being cancelled is whether the Insurance Company cancelled - it not you.
They might cancel it for non payment of premiums, fraudulent claims, etc.

 

[meesha]

I was told even though I'd paid up front for the year as I had claimed on the trailer that was insured that that was the end of the insurance policy as a claim had been made and I no longer had the trailer!!

 

[reynold]

When my car was stolen they paid out and then cancelled the policy (Churchill) but reinstated it within a few days for the replacement car I had to buy.

If you paid by monthly direct debit then as far as the insurance company is concerned they've only received part of the total year's premium and yet had to pay out the full sum insured so they've made a loss due to you cancelling.

I second putting the replacement trailer on your car insurance, but you will now have to answer 'yes' to the question 'have you ever had insurance refused' which will put off potential new insurers.

Good luck in your search. The shock and stress of a theft is horrible. In my case my front door was jemmied at 2.30am when I was in the house. I heard nothing and they went into the kitchen and stole my car keys and handbag as well, with all my money and cards in it, plus some irreplaceable photos. I also had to change the front door as the key was on the same fob as my car key.

If there are other lorries/trailers where you had yours stolen then their owners should also up their vehicle security. Most of my neighbours have upped theirs and my replacement car has a tracker fitted - which you could also do to your replacement trailer.

Insurance Approved Trackers | Trackershop UK

Trackershop has a range of thatcham insurance approved car insurance and vehicle trackers which can lead to a reduction in the price of your annual policy.

www.trackershop-uk.com

 

[Muddywellies]

I'm just so shocked at how ive done nothing wrong, yet am made to feel like the guilty party. I thought Anthony D Evans would have taken good care of me, explaining everything and helping me make the right decision. When I called yesterday to ask what to do with the policy for

Towergate insurance sorted it for me...was £350 (trailer was worth £3.5k)

Good luck

Yep, Towergate have come up trumps for us. Good on them! I will never ever do business with Anthony D Evans again. They have misinformed me and been very difficult with me. Very expensive lesson learned.

 

[Muddywellies]

When my car was stolen they paid out and then cancelled the policy (Churchill) but reinstated it within a few days for the replacement car I had to buy.

If you paid by monthly direct debit then as far as the insurance company is concerned they've only received part of the total year's premium and yet had to pay out the full sum insured so they've made a loss due to you cancelling.

I second putting the replacement trailer on your car insurance, but you will now have to answer 'yes' to the question 'have you ever had insurance refused' which will put off potential new insurers.

Good luck in your search. The shock and stress of a theft is horrible. In my case my front door was jemmied at 2.30am when I was in the house. I heard nothing and they went into the kitchen and stole my car keys and handbag as well, with all my money and cards in it, plus some irreplaceable photos. I also had to change the front door as the key was on the same fob as my car key.

If there are other lorries/trailers where you had yours stolen then their owners should also up their vehicle security. Most of my neighbours have upped theirs and my replacement car has a tracker fitted - which you could also do to your replacement trailer.

Insurance Approved Trackers | Trackershop UK

Trackershop has a range of thatcham insurance approved car insurance and vehicle trackers which can lead to a reduction in the price of your annual policy.

www.trackershop-uk.com

Thank you. Yes our tracker arrived yesterday. And yes, it's a truly awful experience isn't it. Made worse by Anthony D Evans who encouraged me to cancel my policy then flatly refused to insure new trailer as we had had a claim. Furthermore, I had paid the premium in full and they refused to reimburse me. They are cowboys !

 

[Fieldlife]

Thank you. Yes our tracker arrived yesterday. And yes, it's a truly awful experience isn't it. Made worse by Anthony D Evans who encouraged me to cancel my policy then flatly refused to insure new trailer as we had had a claim. Furthermore, I had paid the premium in full and they refused to reimburse me. They are cowboys !

Why would you expect a refund, AFTER you had claimed more than the cost of the annual premium after it was stolen?? How can you be entitled to a refund. Different if you had paid monthly and didnt plan to continue paying after trailer stolen (that would depend on terms whether you can stop paying or not).

 

[meesha]

So pleased u got it sorted, I think once u have claimed u don't get rest of year back and u do have to take new policy but funnily enough I think I was with Anthony D Evans and they couldn't help me either !!

Flipping trailer was only 5 months old and I got £500 less than I paid and the value of them had gone up...I tried arguing it with underwriters and sent examples but no joy....similar trailer and new locks and raise in premium left me £1500 out of pocket !!

Towergate were great although when I moved yards they quoted a high premium and it took a few calls to get them to "re market" the policy and it came down to a normal price!!

 

[Muddywellies]

Why would you expect a refund, AFTER you had claimed more than the cost of the annual premium after it was stolen?? How can you be entitled to a refund. Different if you had paid monthly and didnt plan to continue paying after trailer stolen (that would depend on terms whether you can stop paying or not).

Because its no longer on risk. It doesn't exist any more. I have paid for a full year's insurance, but only had the trailer on cover for part of the year.

 

[AandK]

Because its no longer on risk. It doesn't exist any more. I have paid for a full year's insurance, but only had the trailer on cover for part of the year.

If I understand correctly, you paid for the years policy and claimed part way through for the trailer being stolen? If that is the case, then you aren't entitled to the remaining premium back. It will be in the small print/t's and c's, you would only get a refund after cancelling if you haven't made a claim.

 

[Fieldlife]

Because its no longer on risk. It doesn't exist any more. I have paid for a full year's insurance, but only had the trailer on cover for part of the year.

But you made a substantial claim. Insurance doesnt work like you are suggesting. At least not typically. You can have a contract for any structure of insurance. But it is madness to suggest you can say pay 300GBP insurance for the year for a 4,000 GBP valued trailer. Trailer is stolen in month 2. Insurance pay out less the excess, so probably pay 3,500 GBP. It is madness to think you are entitled to 10/12 of the 300GBP back as not on cover for the rest of the year, after trailer has been stolen. The insurance company has already made a substantial loss on your 300GBP premium.

I think you need to read your terms and conditions.

To be fair some horse insurance does let you pay monthly and cancel after a claim in say month 3. But most where you pay annually and make a claim will not allow a refund.

 

[SussexbytheXmasTree]

Because its no longer on risk. It doesn't exist any more. I have paid for a full year's insurance, but only had the trailer on cover for part of the year.

That’s perfectly normal insurance terms and not peculiar to that insurer. I may be wrong but your insurance would be for that trailer not any trailer which would be why the policy had to be cancelled.

I’m sorry you’ve had it stolen.

 

[Red-1]

But you made a substantial claim. Insurance doesnt work like you are suggesting. At least not typically. You can have a contract for any structure of insurance. But it is madness to suggest you can say pay 300GBP insurance for the year for a 4,000 GBP valued trailer. Trailer is stolen in month 2. Insurance pay out less the excess, so probably pay 3,500 GBP. It is madness to think you are entitled to 10/12 of the 300GBP back as not on cover for the rest of the year, after trailer has been stolen. The insurance company has already made a substantial loss on your 300GBP premium.

I think you need to read your terms and conditions.

To be fair some horse insurance does let you pay monthly and cancel after a claim in say month 3. But most where you pay annually and make a claim will not allow a refund.

As I see it, most insurances are not a monthly insurance per-se. It is an annual fee that they allow you to pay monthly to spread the cost. Usually it costs more to do it this way as they are essentially lending you the money for the annual fee and allowing you to pay them back in a monthly way. So, even if you cancel after 2 months, you owe them the full amount. They will usually refund part of it, but not if you have claimed as the annual policy has then fulfilled the purpose.

 

[mariew]

It's also very common that the thieves come back relatively shortly after the first theft as they'll assume you have bought a nice new one they can also steal. I suspect some insurers would factor that in, but that's a guess.

I am sorry you had your trailer stolen.

 

[SOS]

I had the same issue after my trailer was stolen. It definitely left me out of pocket too, with the excess and locks etc.

However the issue was they wouldn’t insure it at the same place, luckily (unluckily as it got stolen from there!) for me it had been taken whilst being stored at a friends farm rather than my yard.

I had no issues getting it insured when I insured my new trailer elsewhere. Places do get an insurance black mark after having things stolen - I once viewed a yard that wouldn’t have trailers there as one got stolen and the next year their whole yard insurance went up despite it not being their stolen trailer/claim/policy. And im guessing the crime rate increases for that area also?