Horse Float Insurance in New Zealand: Protecting Your Investment

For horse owners in New Zealand, a quality horse float is an essential — and expensive — piece of equipment. With new horse floats costing anywhere from $15,000 to over $150,000, proper insurance protection is critical.

Why Horse Floats Need Specialist Cover

Horse floats face unique risks compared to standard trailers. They travel on rural roads, are exposed to animal-related damage, contain living quarters in some models, and carry extremely valuable cargo (your horses). Specialist horse float insurance addresses these specific risks.

Key Coverage Features

Comprehensive horse float insurance should include accidental damage cover, fire and theft protection, third-party liability, cover for built-in fixtures and fittings, optional cover for horse transport (injury or death during transit), mechanical breakdown cover for motorised components, and emergency horse accommodation if the float breaks down.

Saving on Premiums

You can reduce your horse float insurance costs by storing the float in a locked garage or secure compound, installing security devices like wheel locks and tracking, maintaining a good claims history, choosing a higher voluntary excess, and bundling your horse float insurance with other equine insurance policies.