Horsebox Insurance

How much on average does horsebox insurance cost?

The cost is determined by the level of cover required, the insurance category and type of driver policy (any or named). Quotes are tailored to each individual so giving an average would be misleading. Best to get a quick quote and find out for yourself. 

Common horsebox insurance optional coverage

Drivers should check that their licence is appropriate for the size and type of vehicle they intend to drive. Driving without a valid licence will invalidate your insurance policy.

For a vehicle weighing up to 3.5 tonnes, a category B licence is required. Automatic entitlement from B licence to C1 licence no longer applies for drivers who took the test for category B licence later than January 1, 1997. For vehicles between 3.5 to 7.5 tonnes, a C1 category licence is required to drive.

How can I save money on my horsebox insurance premium?

Does horsebox insurance cover me to transport my friends horse?

This is normally acceptable as long as some preconditions are met. These include no money changing hands except for fuel costs. Should you consider providing this as a paying service you will need hire and reward insurance.

On a long journey can I share the driving with my friend?

If your friend holds the correct licence and is covered under your insurance policy then they may drive. Typical policies may state any driver over 25 or you may have named the additional driver or drivers explicitly in the policy.

Does horsebox insurance cover me to drive in Europe?

Please refer to gov.uk driving abroad for the original statement.  All UK vehicle insurance provides the minimum third party cover to drive in other EU countries. The key takeaway is that your cover can be limited to third party only, please contact your broker to clarify the specific details on your individual policy for example green card inclusion. Also check that you have horsebox breakdown cover for travel into Europe.

Are there any weight or height restrictions on horsebox insurance?

Most brokers will provide a quotation based on the information given. If your vehicle exceeds the norm in weight or height please make your broker aware.

Is damage caused by the horse while being transported covered?

Comprehensive insurance policies will normally cover damage caused by the stock being transferred.

Is horsebox breakdown cover included in a standard horsebox insurance policy?

Breakdown cover is optional, if you travel long distances this may be worth considering. If you drive locally then it may be cheaper to come to some arrangement with a local breakdown company or garage that provides this service.

Is tack covered in my policy?

Tack normally is not included in horsebox or horse trailer insurance, but can be bought as a separate policy.

Anti-theft devices can reduce the cost of horsebox insurance

There are some policies that require one or more anti-theft devices. Claims may be refused if an anti-theft device is required, but not used. Horse transporters are valuable and as such are the target of theft. To lessen the risk of theft some brokers will insist on the use of wheel clamps. The best way to protect your investment is to take extra security measures such as adding a tracking device. These measures will lower the risk of theft both at home and at equestrian events.

Start comparing and find a deal now

Using our comparative site provides easy access to many reliable insurance brokers that can provide cover tailored to your exact requirements. This approach to finding cover is much faster than visiting each individual site. Click Start your quote below, to start your journey on finding the UK horsebox insurance to fit your needs.