Horse Trailer insurance UK Cost - Compare Quotes & Save -

Horse Trailer Insurance, UK

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Compare horse trailer insurance UK Costs

Last updated 18 Oct 2021 by Eamonn

Horse trailer insurance will provide protection to your non-motorized transport vehicle should it be damaged or stolen. Your existing auto insurance will provide some cover for towing a trailer, but it will be limited to a third party and not offer cover if it is stolen or damaged.

horse trailer insurance

Trailer Types Covered

Horse trailer insurance is not required by UK law, but will help protect your investment. This type of cover can be for a livestock transporter along with general purpose trailers, box trailers, boat trailers, car trailers and gooseneck hitch trailers.

Can you tow a horse trailer on a car licence?

UK drivers will no longer have to sit an additional driving test to drive a car and trailer. This new rule is set to become effective in late 2021. This effectively means that everyone can tow a trailer with standard car driving licence if they adhere to the towing weigh rules below. 

New rules to be introduced later in 2021. Under the new rules you will be allowed to tow trailers up to 3,500kg MAM

What is MAM?

The DVLA uses the term MAM, which stands for the (Maximum Authorised Mass) or in plain English is the limit when the trailer is fully loaded. 3,500 kg is the weight normally required when towing two horses in a trailer.

This move may have been prompted by the increase in number of people opting for starvations and increased use of trailers within the business agriculture and other sectors.

Licences issued before 1 January 1997

For drivers that have passed test prior to 01Jan1997, no change.

Licences issued from 1 January 1997 to 18 January 2013

  • Can drive a car or van up to 3,500 kg plus tow a trailer of up to 750 kg  (total MAM maximum 4,250 kg)
  • A trailer is over 750 kg, as long as it is no more than the unladen weight of the towing vehicle. The total maximum mass being 3,500 kg

To drive anything heavier than above, you will to pass a trailer and car driving test.

Licences issued from 19 January 2013

  • Can drive a car or van up to 3,500 kg plus tow a trailer of up to 750 kg  (total MAM maximum 4,250kg)
  • If the trailer is over 750 kg then the combined weight of the trailer and towing vehicle must not exceed 3,500 kg  MAM

To tow anything heavier, you will still need to pass a trailer and car driving test.

Did you know?  Aluminium horse trailers are significantly lighter than steel or wooden trailers, whilst more expensive factor in fuel savings and ease of maintenance.

Things to remember when using a trailer

  • Because of the additional weight it adds to the tow vehicle, braking will take longer as such keeping your distance is paramount to towing safely.
  • Cornering takes longer and requires more space.
  • Keep the trailer well maintained will help prevent problems on the road.
  • Always perform a safety check before heading out on the road.
  • If transporting one horse, load it to the driver’s side, if 2 horses then load the heaviest to the driver’s side.

Is horse trailer breakdown cover available?

Yes, cover for horsebox breakdown cover and car and trailer can be purchased as a standalone option, or you can bundle it with your transporter insurance. Best to compare the two options, as a separate policy could be the best option for your pocket.

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 horse insurance comparison guide for more details.

What is the cost of horse trailer insurance UK?

No definitive answer can be provided as it does depend on many factors, not least the size and value of your transporter. On average, expect to pay in the area of £350 plus, but this is only a ballpark figure.

Tips to reduce UK horse trailer insurance 

As you know, horse trailers are expensive items, with many designed to your bespoke requirements and don't forget the expensive equipment inside. Below, we have compiled some advice on ways to lower the risk of falling victim to theft.

  • Use both hitch and wheel locks to secure your trailer and keep in a secure area.
  • Valuable equipment should never be stored inside the trailer overnight.
  • Keep a record of the make, model and year of manufacture of your livestock transporter as well as photographs. These can help with a quick recovery should it be stolen or damaged in an accident.
  • Fit only anti theft devices that are recommended or approved by insurance companies.
  • Take photos as these can be used to track your transporter.
  • Low annual mileage or pay as you go cover
  • Increase the excess, the amount that you are responsible for if a claim is made that is your fault. 
  • Limit to named drivers and drivers with experience and good driving history, age 25 or over if possible.

Even taking the above precautions, you will still run the risk of theft. As such, make sure your horse trailer insurance policy will cover theft and damage and the payout is sufficient to replace your rig without going out of pocket. This is often referred to as "new for old replacement".

For more information, there is the guidance for horsebox and trailers owners published by the UK government.

Levels of horse trailer insurance available

Basic third party cover will only cover any damages to the other party, you will be left to handle your own costs.

The next step-up is adding Third party fire and theft cover, but still no cover to your transporter or valuable contents if you are held liable.

Fully comprehensive insurance provides the top level of cover. This type of policy will cover damage to your horsebox and other parties property. 

Compare horse trailer insurance

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.  

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