Horse Transport Insurance

Horse Transport Insurance (truck insurance, van, assistance, transported goods)

Truck, Van, Assistance, Goods Transported Animals and Saddlery

Insure your vehicle is good, with its contents it is better!

Vehicle insurance:

Trucks

The highway code requires that you be insured at least for damage caused to third parties in the event of an accident.

Any vehicle equal to or greater than 3.5 T (PTAC) is considered to be heavy goods vehicles.

To insure your vehicle, you should take into account the value of the converted vehicle (and not the value of the bare body).

Tell your insurer whether the transport of equines is carried out for private or professional purposes.

In the event of a coupling (truck + van), your trailer must be declared in RC circulation on the towing vehicle.

Vans

Any trailer over 750 kg must be declared in RC circulation on the contract of the towing vehicle.

The van can be covered by an “all risks” contract (theft, fire, damage, all accidents).

The towing guarantee is only acquired if you take out an "all risks" contract.

In the event of claims, compensation will be made on the value of the trailer declared in the contract.

For vehicles over 3.5 T, towing / lifting is only provided in the event of an accident and not in the event of a breakdown.

Please note: during transport in a truck or in a van, your horses are only insured if you take out a transported goods contract.

Transport of Equines: details of guarantees, limits and deductibles

	Garanties	Plafond	Franchise
ÉQUIDÉS	Garanties mortalité tous risques	Capital assuré : à déterminer maxi 10000 € par équidé	sans franchise
	Frais d'enlèvement, Équarissage	10% du capital assuré
	Frais médicaux de 1ere urgence	1500 € par équidé
	Inaptitude de l'équidé suite à sinistre	85 % de la valeur assurée (à dire d'expert)
	Frais d'engagement à une compétition officielle	1500 € par sinistre
VÉHICULE	Garantie sellerie tous risques, vol	15% du capital assuré (mini de 1500 € et maxi de 5000 €)	sans franchise
ASSISTANCE suite à une panne, un accident, du vandalisme ou à un incendie	Frais de dépannage, remorquage	300 € TTC (-3,5 T) 1200 € TTC (+ de 3,5T)	sans franchise kilométrique sans limite d'âge
	Frais d'hébergement des passagers	60 € TTC par personne et par nuit	maximum 3 personnes
	Véhicule de remplacement	120 € TTC (- de 3,5T) 450 € TTC (+ de 3,5T) 90 € TTC (van)	maximum 2 jours
	Frais de transport des équidés	150 € par cheval
	Frais d'hébergement des équidés	31 € TTC par cheval et par jour	maximum 2 jours

“All risks” guarantee: covers all damage (mortality, injuries) caused to equines, including theft, during transport (loading and unloading included).

The guarantee is acquired FOR ALL CAUSES, whether or not it is the result of a road accident

"Characterized events" guarantee: covers damage (mortality, injuries) caused to equines, when they are the consequence of the events listed below:

Road accidents (collision with vehicle or stationary body)
Fire, explosion or lightning strike affecting the vehicle
Fall of the vehicle, loss of control
Natural disasters (flood, storm, etc.)

Options: Interior fittings, Sulky & Horse-drawn carriages: € 7,500 per vehicle.