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

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3.5 & 7.5 Tonne, Social, pleasure and domestic use, Hire and Reward Quotes, Easy form fast quote

Horsebox Insurance UK - Comparison Quotes

Last Updated 08th Dec 2021 Eamonn Turley

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 equine needs.

horsebox insurance

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

Third Party

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 fire and theft

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

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

Cover available for all horsebox 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
  • Ascot
  • Ifor Williams
  • Volkswagen
  • Tristar
  • Empire
  • Mann
  • and many more..

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. 

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

Licence Requirements

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.

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.

This guide provided by the DVSA (Driver & Vehicle Standards Agency) is really useful guide on the different categories  of driving licence based on intended use of the horsebox or trailer. A most useful guide  if you intend providing a service or business that will involve haling livestock. This is particularly important if you intend to use the trailer as part of your business or for reward. The intended use will affect the type of insurance policy you will need to buy.

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.

UK providers of Equine insurance products ? 

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.   

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 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.

Anti-theft devices can reduce the cost 

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 best UK horse box insurance to fit your needs.

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