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A Guide To Horsebox Insurance

By from the MultiQuoteTime Editorial Team - April 2024

Multiple horsebox insurance quotes. Quotes are available for all horsebox categories, including 7.5 tonne lorry insurance to the smaller 3.5 t category. Enter your insurance requirements and receive quotes that are tailored to your individual equine needs.

Getting horsebox insurance is essential to be able to drive legally if the horsebox is motorised. The best level is comprehensive horsebox insurance policy, this will protect your cherished horsebox should it be in an accident, regardless of fault. If you are operating a horse trailer, most car insurance polices will extend third part cover to the trailer. But again, you should consider horse trailer insurance to protect an expensive investment.

Horsebox Insurance

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How Much Does Horsebox Insurance Cost?

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What Levels Of Horsebox Cover Is Available?

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Insurance Available For Converted Horseboxes

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Cover Available For All Horsebox & Horse Trailer Coach Builders

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Common Optional Coverage Options

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Tips On Reducing Horsebox Insurance And Protecting Your Horsebox Or Trailer

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Multiquotetime in partnership with Quote Zone provides a simple form which once completed is submitted to a specialist panel of brokers. To get multiple quotes, select GET A QUOTE button above and provide basic information to a panel of UK brokers.

How Much Does Horsebox Insurance Cost?

The cost of a horsebox insurance policy will be determined by a number of factors. The actual size and cost of the horsebox will have a major factor, so a 7.5 t lorry will be more experience than a smaller 3.5t horsebox. Next will be the level of cover and the chosen excess amount. Increasing the excess should reduce the final cost, as would, limiting the policy to a named driver or drivers.

Adding in additional extras like horsebox breakdown cover will increase the costs, but that is for you to weigh up the benefits over cost.

What Levels Of Horsebox Cover Is Available?

The main types of cover you can get with a Horsebox Insurance policy are:

Third party : Third Party cover enables you to drive your vehicle legally. This is the lowest level of cover available and provides cover for third parties when you’re involved in an accident that’s your fault. Although this is normally the cheapest option, it is worth considering a comprehensive policy to fully protect your own valuable horsebox
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.
Comprehensive provides the owner with the most protection in the event of an accident. This covers damage to your horsebox and the third party vehicle involved in an accident or incident, along with the paying of medical bills. Comprehensive usually protects your vehicle against other damages such as if your horse were to kick and break anything on the horsebox, but check with the policy provider

Insurance Available For Converted Horseboxes

Insurance is available for both manufactured and commissioned self-build horse boxes. If you have bought a second-hand horsebox and converted it into a mobile converted van or trailer, be sure to state any such modifications during the quote process.

Cover Available For All Horsebox & Horse Trailer Coach Builders

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

Equi-Trek
Equimark
Alexanders
Citroen Relay

Tristar
Empire
Mann
and many more..

Did you know? It is illegal to travel with your horse in the horsebox, horse van or in the trailer.

Common Optional Coverage Options

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.

Did you know? If you passed your test on or after 1st January 1997 you have "grandfather rights" to drive a vehicle and trailer with combined weight of 8,250 kg.

Tips On Reducing Horsebox Insurance And Protecting Your Horsebox Or Trailer

Keep a record of the make, model and year of manufacture of your horsebox or hors trailer r as well as photographs. These can help with a quick recovery should it be stolen or damaged in an accident.
Valuable equipment should never be stored inside the trailer or overnight.
Fit only anti theft devices that are recommended or approved by insurance companies.
For Horse Trailers, use both hitch and wheel locks to secure your trailer and keep in a secure area.
Pay per mile: 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.
Pay Annual avoids the interest payments required when paying monthly and quarterly.
Multiple Quotes : Having multiple quotes will enable you to compare quotes online to find the best deal
Security : 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.
Increase the excess : 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.

Anti-theft Devices Can Reduce The Cost Of A Horsebox Insurance Policy

There are some horsebox insurance policies that require one or more anti-theft devices. The insurance company may refuse any claims if an anti-theft device is required, but not used. Horse trailers 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.

Compare Horsebox insurance and Find a Deal Today

When you start comparing horse trailer insurance, always read the policy inclusions and exclusions, some may include extras that you find attractive. Do not take out cover for things that you will not need, for example driving in Europe. When searching for any type of insurance, it is prudent to compare all the available options. Offers are always changing and as Insurance needs to be renewed every year, use this fact to shop around for a better deal.

Getting multiple quotes for horsebox insurance will help you compare the cost across a wide range of brokers. It always makes sense to get several Horsebox cover quotes from trusted names in the industry before deciding on your final horsebox insurance policy.

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No upper age limit
Veterinary fee cover option
Loss by Theft or Straying
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Horsebox Insurance FAQ's

Who providers Equine insurance products in the UK?

Horsebox and horse trailer insurance tends to be a specialist product that not all brokers will provide. The good news is that you can choose from brokers that specialise in equine insurance products. The key providers include SEIB, KBIS , Shearwater, Equsecure, AdrianFlux, NFU and Anthony D Evans horsebox insurance all provide a range of policies geared towards the equine insurance sector. Getting multiple quotes on comparison sites will help whittle down the range of choices. When comparing polices, make sure that you are comparing like for like.

Can I buy horsebox insurance online?

Horsebox insurance quotes are available online, but first you must enter your horsebox insurance requirements. Quotes for modified horseboxes may need to be generated manually and then emailed, or the broker may contact you direct.

Does the insurance cover me to transport my friend's 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 a 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.

Am I covered 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 ?

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. If the trailer has been modified, it is important to notify your insurance broker when first getting a quote and if you subsequently plan to make further modifications.

Is damage caused by the horse while being transported covered?

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

Is horse box breakdown cover included?

Breakdown cover for your horsebox or car and trailer 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 horse box or horse trailer insurance, but can be bought as a separate policy.

Do I need An Operators's Licence?

An operator's licence is required only if you are driving the horsebox for business use, example a horse trader or dealer involved in buying and sell livestock.

Do I need drivers CPC?

A CPC certificate is only required if you are driving a vehicle over 3.5-tonnes professionally. It is not required for personal use or amateur use, for example taking your pony to a show.

Will my Livestock be Insured?

The horse trailer or horsebox insurance does not cover livestock, for that you will need to take out a separate horse insurance policy. Check out our veteran horse insurance comparison guide for more details.