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Breakdown Insurance

There is never a convenient time, or place, to have a breakdown, especially with horses on board but ensuring you have an adequate back up plan can help to lessen what can otherwise be a stressful situation.

Did you know?

When taking out a trailer breakdown policy KBIS will cover the towing vehicle even when you’re not towing so you don’t need an additional policy.


A roadworthy and accessible spare wheel should be carried at all times unless one is not fitted as standard manufacturer’s equipment. Failure to do so will not only result in a significantly longer recovery time but you may also incur additional charges.

Be Prepared!

It will usually take 24 hours from requesting and purchasing cover for a breakdown policy to come in to effect so make sure you plan ahead!

Lessening the Worry

Understanding that horses aren’t always good travellers our breakdown service will always try to provide a similar type of vehicle via our UK wide network of approved specialist.

Whether you have a trailer or horsebox, purchasing a suitable breakdown policy should be a top priority before taking to the road. At KBIS we offer a comprehensive breakdown policy which also includes some NEW benefits.

The main cover benefits of the policy ensure that wherever you are, an experienced team will be on hand to get you back on the road as soon as possible.

  • Home Start

This is designed to assist you should you be unable to start the vehicle at home, providing up to an hours labour from a mechanic or recovery to the nearest available repairer.

  • Roadside Assistance

If you breakdown on the road anywhere within the UK then you will be assisted at the scene of the breakdown to try and get you back you on the road as quickly as possible. If the vehicle cannot be repaired at the roadside then the vehicle will be taken to the nearest available repairer.

  • Recovery Service

In the unfortunate circumstance that the vehicle cannot be repaired quickly at either the scene of the breakdown or at a garage, a suitable recovery vehicle will be provided to transport you, your horse(s) and passengers to a destination of your choice.

  • Alternative Travel or Accommodation

When the vehicle is unable to be repaired the same day or recovered to your destination and you are more than 50 miles from home, you can receive up to £250 for emergency travel or overnight accommodation for you and your horse(s).

Additional Benefits*

Often horsebox and trailer policies do not include some of the additional benefits we are accustomed to with our car insurance policies, the new enhanced breakdown policy provided by KBIS offers assistance for some crucial situations you might find yourself in!

Key Cover – if you lock your keys within the vehicle or lose them then the policy will cover taking you, your vehicle and your horse(s) to your spare keys or a local repairer, whichever is closest.

Misfuelling - can be a simple mistake but leave you unable to continue on your journey. The policy will cover the draining and flushing of the fuel tank at the roadside, taking you to the nearest repairer if it’s not fixable and even topping up your tank with 10 litres of the correct fuel to get you on your way again.

Replacement Driver – it’s not a situation we like to think of ourselves in but having a fall or accident whether at a competition, on a fun ride or out schooling, could leave you unable to drive you and your horse home again. If, as the only driver of the vehicle, you have been certified as medically unfit to continue a journey or drive home then a replacement driver will be arranged and the cost for the service covered.

KBIS Breakdown Policies are provided through ERS, the UK’S largest specialist motor insurer. For further details and for the full terms and conditions of cover click here.

* New cover benefits only apply to policies setup from 01/09/2018

Call us on 03452302323 to take a policy out!

If, as the only driver of the vehicle, you have been certified as medically unfit to continue a journey or drive home then a replacement driver will be arranged and the cost for the service covered.