Cheap Horse Trailer Insurance

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Last updated 31st Dec 2022 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 cover is slightly different to horsebox insurance as detailed below.

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.

Horse Trailer insurance with Public Liability

Some providers will include Public liability insurance as part of the standard policy, example Sterling insurance include £1m public liability cover. This will provide cover from damage to third party property or injury caused. Some provider will let you choose the PL level.

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 a 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

Did you know? Most comprehensive car and van insurance policies will only cover horsebox trailers for third party liability (damage to other vehicles and property).

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.

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

Driving a car with a trailer will be a bit of a learning curve for some. For those new to the world of towing, read some basic trailer driving tips to get off to a good start.

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 veteran horse insurance comparison guide for more details.

What is the cost of horse trailer insurance UK?

The cost of horse trailer insurance will depend on a number of factors. A such, 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.

3 Levels of horse trailer insurance available

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

2. 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.

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

Compare horsebox 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.

FAQ's

Where can I find cheap Horse Trailer insurance?

The best way to find cheap horse trailer insurance is to compare prices from the providers of equine insurance, get multiple quotes from Anthony Evans, NFU, Harry Hall, Admiral and other providers and compare the deals on offer.

How Can I save on Horse Trailer Insurance

The best way to get a discounted quote on horse trailer insurance is to reduce the risk of the trailer being stolen. Some brokers like Sterling offer a 17.5% discount for trailers fitted with data tag security systems.