Breakdown Insurance – Cover Available
The benefits included under a horsebox breakdown policy or a trailer breakdown policy are outlined below. When taking out a trailer breakdown policy cover is included for the towing vehicle.
The insurer will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges (up to 1 hour) needed to start the vehicle.
If the vehicle cannot be repaired at the scene of the breakdown, the insurer will arrange and pay the reasonable cost of taking the vehicle, horse(s), you and up to 5 passengers from the place where the vehicle has broken down to the nearest available garage.
If the vehicle cannot be repaired at the scene of the breakdown or at a nearby garage, we will arrange and pay the reasonable cost of taking the vehicle, horse(s), you and up to 5 passengers from the place where the vehicle has broken down to any one place you choose.
If your vehicle breaks down at home or within one mile of your home we will arrange help to start the vehicle (up to 1 hours labour) If it cannot be started it will be recovered to the nearest available repairer. Home is the place your vehicle is normally kept.
Emergency Travel or Accommodation
If a vehicle breaks down when it is more than 50 miles from your home, and cannot be repaired at the roadside or at a garage during the same day and is not recovered to your home or destination, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation, for your horse(s), you and up to 5 passengers.
The most we will pay will be £250 for:
- alternative road, rail or horse trailer hire to allow you and your party to reach your destination and return: or
- one nights hotel accommodation for you and up to 5 passengers including stabling costs for the horse(s). (The amount we will refund will only be for the rooms. We will not pay any amount for meals or drinks.)
Before you arrange emergency travel or hotel accommodation, you must call the rescue control centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts.
If your vehicle breaks down and help is arranged by the Rescue Control Centre, they can contact your family or colleagues to let them know about the situation.
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.
If you fill your tank with the wrong fuel 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.
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.