Horsebox Insurance - Horse Lorry insurance (3.5T - 7.5T)

Cheap Horsebox Insurance

  • 3.5 & 7.5 Tonne
  • Social, pleasure and domestic use
  • Hire and reward quotes
  • Easy form fast quote
  • UK and European cover available
  • Hire and reward car insurance

Horsebox Insurance UK - Compare Quotes

We can help provide you with multiple horsebox insurance quotes. Quotes are available for all horsebox categories, including 7.5 tonne to the smaller 3.5 t category. Enter your insurance requirements and receive quotes that are tailored to your individual needs.

Multiple quotes for horse trailer insurance or horse lorry insurance will help you compare the cost across a wide range of brokers. It always makes sense to get several quotes from trusted names in the industry before deciding on your final horsebox insurance policy.

horsebox insurance

Levels of cover available

  • Comprehensive provides the owner with the most protection in the event of an accident. This covers damage to your vehicle and the third party vehicle involved in an accident or incident along with the paying of medical bills.
  • Third party fire and theft takes care of the third party vehicle only in an accident. You must shoulder your own costs for repair or medical treatment when involved in an accident that is your fault. The policy repairs your lorry when it is damaged accidentally by fire or is stolen. 
  • Third party only is the minimum legal level of cover and covers the third party vehicle repairs and its occupants medical bills.

Cover available for all horsebox coach builders 

Cover is available for all horsebox makes and conversions, we have listed the most popular models below.

  • Equi-Trek
  • Equimark
  • Alexanders
  • Citroen Relay
  • Tristar
  • Ascot
  • Ifor Williams
  • Volkswagen
  • Tristar
  • Empire
  • Mann
  • and many more..

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

  • Public liability insurance for claims.
  • Protected no-claims discount.
  • Replacement of old vehicle for new.
  • Discounts for providing extra security measures that are installed.
  • Cover for driving in European.
  • Many insurance firms offer discounts when the annual mileage is limited.
  • Horsebox breakdown cover provides roadside assistance when there is a problem and can include taking your horses to their destination.

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?

  • The excess is the amount that you the driver will be responsible to pay in an event of an accident. Speak with your broker about increasing the excess in return for a lower quote. If you wish, you may also take out additional cover for the excess amount.
  • Providing secure overnight parking for your vehicle will reduce risk and should reduce your policy premium. This would be off the street and preferable in a locked building.
  • If you only transport livestock occasionally to events, it may well work out cheaper to consider an insurance policy based on usage or miles travelled. If you are able, select named drivers and ensure they are over 25 with a clean driving licence.
  • Paying the premium annual avoids the interest payments required when paying monthly and quarterly.

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 or reward changing hands except for fuel costs. If you provide this as a paying service, you will need additional insurance, termed hire and reward van 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 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 an approved 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.

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