Horsebox Insurance

Protect your Horsebox today. Get quotes from multiple brokers.

HGV horseboxes covered 3.5 & 7.5 Tonne
UK and European cover available
Social, pleasure and domestic horsebox insurance

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Commercial and Private use
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Horsebox Insurance UK - Compare Quotes

Our brokers are ready to send multiple horsebox insurance quotes that can help fill the needs of a horsebox owner that range in size from the HGV 7.5 tonne category to the smaller 3.5 tonne. This type of policy can provide the level of protection you need that can be tailored to meet your individual requirements.

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.

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 is the minimum legal level of cover and covers the third party vehicle repairs and its occupants medical bills.

Common horsebox insurance optional coverage

Public liability insurance for claims.
Protected no claims bonus.
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 including taking your horses to their destination.

Driving license requirement

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

For a vehicle weighing up to 3.5 tonnes, a category B license is required. Automatic entitlement from B license to C1 license no longer applies for drivers who took the test for category B license later than January 1, 1997. For vehicles between 3.5 to 7.5 tonnes, a C1 category license 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 this amount in return for a lower quote. If wanted 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 license.
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 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 license 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 your 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 the costs of horsebox insurance

Using our comparative site provides easy access to many reliable insurance brokers that can provide horsebox insurance quotes. 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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