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Kelly
Platinum Member
England
1571 Posts |
 Posted - 30 Jun 2006 : 1:59:26 PM
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Hi all, I wonder if you clever people can help me (again!)
I'm sorry to go on about transport, but this is the latest bee in my bonnet!
My insurance co, NFU mutual, have just told me that my insurance IS valid for getting a lift from someone else, with her driving, using her car and her friends trailer, as long as she has the appropriate licence and vehicle insurance, and I am NOT paying her.
Is this true? I asked for it in writing, to be told that it already says it in my policy, by NOT being under the exclusions list.
Is this true? As my friend isn't a company transporting horses commercially, is she not subject to any other rules and regs?
I've put a FAO JMRT on the other section, but this is driving me mad!
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Kelly
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Pasha
Platinum Member
England
3622 Posts |
Posted - 30 Jun 2006 : 2:05:57 PM
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I recently read in a magazine (Horse & Rider or Horse & Hound - can't remember) that as long as she isn't charging you, you are covered by her insurance (and yours). You are allowed to offer a contribution towards the petrol and this doesn't affect the insurance.
However, if she were to charge you a fee for transporting your horse then she would need specific insurance for this.
Hope this helps  |
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NPA Arabians
Moderator
United Kingdom
2980 Posts |
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Kelly
Platinum Member
England
1571 Posts |
Posted - 30 Jun 2006 : 4:10:07 PM
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Thank you both!
Ooh, am so excited now!  |
Kelly
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JMRT
Gold Member
England
562 Posts |
Posted - 02 Jul 2006 : 6:05:47 PM
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Hi Kelly
Hi Kelly
Tell your friend with the trailer to check that the breakdown recovery is valid!!!
We had a similar situation a coupleof weeks ago where a trailer owner gave a lift to her & then broke down-the breakdown recovery people would not foot the bill for the friends horse-bill from me was over £700 not forgetting the bill from the recovery people for the trailer and tow vehicle. No one thought to check and now I believe that the breakdown people have also revoked her membership!!!!! Check & double check!!!
As for H&H I have had a reply from them and they have aplogised and said that their 'article was misleading'! I am awaiting further news like a retraction from them!
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Julie
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joanna_piana
Platinum Member
United Kingdom
3935 Posts |
Posted - 02 Jul 2006 : 6:49:04 PM
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| We always take each other's horses at our yard as it seems madness to take two lorries with one horse in each when we're going to the same place. How do they know whose horse it is you have in there anyway? What if you're borrowing someone elses horse for you to ride i.e I have Tara at the moment while Jo is in the Caymans so would she count as mine under those circs? Or I've leant Shida to people before and they've taken her off in their lorry and competed her. |
      
Harthall Rashida RIP, Binley Ishara, Bouchan
Chorleywood, Hertfordshire |
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JMRT
Gold Member
England
562 Posts |
Posted - 02 Jul 2006 : 6:56:41 PM
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Hi JP
We check passportts for travelling and have to write out a Animal Transport Certificate everytime we transport a horse.
If there are any queries we have to report it as we are under contract to the breakdown recovery people.
If you haven't got your passport on board then you are breaking the law. Its a £2000 fine for us per horse and a £5000 for the owner!
On the matter of taking someone elses horse on your lorry. The questions you need to ask is if an accident happened are the horses insured. Are you doing this regularly or was it just a one off!
I know it sounds like madness taking two lorries but having been involved in schools and education I know how stringent insurance is! One person wanted to bring the children in from their street in their people carrier-no payment just as a help. As a head teacher I had to ask the person had they got the correct insurance and have the driver and escourt got CRB checks! They were not insured to do this!!!!!
We are in hard times where the slightest mishap can result in a massive lawsuit-hence no one covering other peoples horses in your own personal lorry.
Check & double check and get it in writing if they do agree to insure you!!!!! |
Julie
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joanna_piana
Platinum Member
United Kingdom
3935 Posts |
Posted - 02 Jul 2006 : 7:31:04 PM
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| Ooh best do some checking then cause I often go with my friend who has a three box as I don't like taking Shida in my transit as the ramps are quite steep and a bit tight for her. Plus I normally take my two ponies. I do sometimes give a friend a lift as she doesnt have a lorry so better check it out. But does it make a difference if you are using someone elses horse yourself rather than just giving them a lift or does it depend on each insurer? |
Harthall Rashida RIP, Binley Ishara, Bouchan
Chorleywood, Hertfordshire |
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JMRT
Gold Member
England
562 Posts |
Posted - 02 Jul 2006 : 7:46:37 PM
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Yes do check out!
Also I would be worried that 3 are on a 3 box-sounds silly but the 3.5 and 7.5 tonners that are on the road are actually illegal as they are overweight!!!!
As for you having another persons horse-what does it say in your contract with the owner. The likes of Michael Whitacker using other peoples horses have to have an operators licence to carry other peoples horses. Also check with the horses insurer and get it in writing!!! |
Julie
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joanna_piana
Platinum Member
United Kingdom
3935 Posts |
Posted - 02 Jul 2006 : 8:26:22 PM
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| Thanks for the advice will definately look into it. None of us have big horses so Shida would be the biggest at 14.3 on the three horse lorry and my two ponies are 11h and 13h so hopefully they wouldn't be overweight in my transit? Does that mean these Renualt Masters should only take ponies and not 16hh like it says? |
Harthall Rashida RIP, Binley Ishara, Bouchan
Chorleywood, Hertfordshire |
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JMRT
Gold Member
England
562 Posts |
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joanna_piana
Platinum Member
United Kingdom
3935 Posts |
Posted - 03 Jul 2006 : 09:39:58 AM
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| 3.5 I think |
Harthall Rashida RIP, Binley Ishara, Bouchan
Chorleywood, Hertfordshire |
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Porsche
Gold Member
1194 Posts |
Posted - 03 Jul 2006 : 10:23:02 AM
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Also I would be worried that 3 are on a 3 box-sounds silly but the 3.5 and 7.5 tonners that are on the road are actually illegal as they are overweight!!!!
Not all of them - I have had 3, 3 horse lorries and two two horse transits all were within the required weight when fully loaded.
I do agree though that you have to be careful when buying a smaller lorry as there are a lot which are overweight once fully loaded.
When ever I have got to view a lorry I have always taken it to a weigh bridge to double check the figures on the paper work.... |
Some people are like a Slinky ... not really good for anything, but you still can't help but smile when you shove them down the stairs.
     
RIP Fuzzy Bear...Angela RIP......Legacy 1day old...............La Carrera.................Aisa and Bruce |
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SkyeHorseTransport
Bronze Member
Wales
92 Posts |
Posted - 03 Jul 2006 : 8:29:03 PM
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JMRT said "If you haven't got your passport on board then you are breaking the law. Its a £2000 fine for us per horse and a £5000 for the owner!"
People in Wales need to be extra careful on this at the moment, as they are really tightening up on this, I have been stop many time by trading standards wanting to check passports! They have even told me if you are taking your horse just a mile down the road you still need the horse’s passport with you, no matter if it is your own horse or your doing it as a business.
Julie I agree with you about the Operators Licence, I dont think some people realise that if they are going to a show and getting prize money VOSA take that as Hire and Reward!
I know someone taking a 7.5t lorry over to france a couple of years ago, and at dover they went on the weigh bridge and it was over 10t after it had got all the water on etc!!!
I have also noticed that VOSA seem to be setting up mobile test stations/weigh bridges up out side some big events e.g. Weston Park 3day event last year
Philip |
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JMRT
Gold Member
England
562 Posts |
Posted - 06 Jul 2006 : 7:30:13 PM
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Hi JP
3.5t you are very very limited to the weight!!! Probably only 2 ponies and equipment. Please go to a weighbridge and see what you are empty. It will probably cost £4:00p. Quite cheap really compared with having your lorry impounded and having to find transport for your neds.
VOSA also have weighbridges on roads with number plate recognition-so they can tell your axle weight without having to be there.
From 2007 the laws are about to change for horse transport in the commercial sector however, at a recent meeting with DEFRA it was interesting to hear how they will then look at privately owned boxes and bring them up to the same standard.
Be safe and legal out there. |
Julie
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