Taking other people's horses in trailer

[starfish8]

Hi lovely forumites,

Can anyone tell me whether I need additional insurance when transporting someone else's horse in my trailer? Specifically, taking a friends horse along on trips I am already going on with my horse - school hire/lessons, competitions etc? Is this affected by whether or not said friend contributes to petrol costs for the journey?

The trailer itself is insured, I would only be travelling with friends who have their horses insured and I am not doing this for financial gain - just nice to have company for going out and about.

I will call my trailer insurer to see what they say, but some indication before I sit on the phone for ages would be great

 

[limestonelil]

You need to talk direct to your own insurers tbh
Hope the wait isn't tooooooo long.

 

[Littlebear]

I checked this before with mine and it seemed all was ok as long as no money was changing hands.

 

[starfish8]

I checked this before with mine and it seemed all was ok as long as no money was changing hands.

thanks! will call insurance company to double check on contributions towards petrol, but that's encouraging

 

[ROG]

Tell insurer that it is for pleasure and not for commercial purposes

 

[Greylegs]

My policy is clear on this point. As long as it’s not for commercial gain, I’m covered.

 

[poiuytrewq]

I wonder how it would work if the friend puts fuel in the vehicle and pays for it themselves as opposed to giving cash as a contribution for fuel?

 

[Kat]

Normally it is fine providing the friend is only paying a contribution to costs rather than it being a commercial transaction for profit.

 

[Britestar]

My friend and I fill the truck tank turn about. Works out fair.

 

[starfish8]

Finally got round to speaking to the insurers - they advised even if other horse owner contributes to petrol money I'm not covered! Glad I checked now!

 

[ILuvCowparsely]

Finally got round to speaking to the insurers - they advised even if other horse owner contributes to petrol money I'm not covered! Glad I checked now!

I suppose it depends which insures you have, mine said a year ago as long as the other party put the fuel in and pay then it is not seen as an issue. I may call them tomorrow to see if that info has changed.