Trailers

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hogged2trot

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How much is the insurance of your trailer each month approx and do you have to pay to keep it somewhere and if so, how much? Also how much is the roadside recovery for the trailer a month?

Trying to see if I can afford to do it, thanks.
 
Insuring a trailer for theft: £70-90 per year either as standalone policy from any of the horse insurance suppliers, or get it added on as an option to an existing horse insurance policy for £40-50 per year. Smallprint will probably say wheelclamp/hitchlock and may ask for trailer valuation (esp if old trailer) too.

Trailer breakdown: an add-on to either RAC or AA car breakdown cover. I think I pay OHTO about £70 a year. (standard RAC and AA cover your vehicle but not livestock trailers). If via RAC, I don't know name of company they use, if via AA then it's OHTO. Either way, if you break down due to tow vehicle, then you call RAC or AA, and if they can't fix, then you also call OHTO (or the RAC's company) who take the trailer home while the AA/RAC take the vehicle home.
Being an AA member gives you a discount off the cost of joining OHTO/RAC company, and being an OHTO member gives you a discount off the cost of joining AA.

Trailer third party liability cover (eg if your trailer becomes detached and causes an accident to other road users/etc): this should be a standard part of your car insurance. Smallprint - make sure your licence covers you to tow a trailer, make sure your vehicle is capable of pulling loaded weight of your trailer, make sure your vehicle (esp tow bar) and trailer are in well-maintained state. (If you have an accident, your insurer may ask you for proof of trailer servicing or of fitment of towbar by a towbar-fitting professional for instance).

Trailer maintenance: get your trailer serviced annually and keep a paper trail (service bills listing work done, receipts for replacement parts), also keep uptodate photos of your trailer. If you get a valuation done on an older trailer and it's been upgraded (eg swing partition, extra windows, metal floor), then get the valuation to include "upgraded with swing partition, etc" and take photos of it. All helps you to get appropriate payout from trailer theft insurer should your trailer be stolen.
 
The AA also work with www.equinerescue.co.uk who are a specialist equine breakdown company. Shearwater offer a combined insurance / breakdown package as do some other insurance companies but make sure you know how your horses will be recovered if needs be. Avoid low-loader recovery, you'll need to ask about it specifically as some breakdown companies do not tell you up front!
 
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