Temporary Horsebox Insurance

Compare Temporary Horsebox Insurance

Temporary horsebox insurance is a popular product, available with a select few specialist insurance companies. Short-term horsebox cover is available across a range of policy types, from comprehensive to third-party only (the legal minimum). Some UK insurance brokers that provide horsebox insurance on a temporary basis will limit it to personal and social use only. If you need it for commercial purposes, for example, on a hire-for-reward basis, be sure to inform your prospective broker of the intended use. If, in the future, you wish to change the usage, you will need to get permission from your broker. Failure to do so can result in your insurance becoming invalid, which is the same as driving without insurance. Driving without insurance can lead to penalties and likely a conviction.

Short Term Horsebox Insurance for young drivers

For drivers under 21, conditions will normally apply. For example, horsebox insurance for drivers under 21 typically requires that they have held a licence for a minimum of one year without any convictions or points.

Why is Temporary Horsebox Insurance Popular?

If owning a horse is for leisure only, you may only occasionally need to transport your horse, perhaps during the summer months to local events. While vets can and do visit, it may work out cheaper to bring your horse to the vet. In both these cases, you really only need horsebox insurance for a short period, not on an annual basis. Annual horsebox insurance is partly based on the costs of the vehicle, and some horseboxes that have been custom-built are very expensive, so the insurance premium will reflect this.

If you are not the owner of a horsebox, but a friend is willing to loan their horsebox to you on a temporary basis, taking out your own insurance will ensure that the owner’s no-claims history is not negatively impacted should you have a minor accident while using the borrowed horse trailer or horsebox.

How much does short-term horsebox cover cost?

Short-term cover for a horsebox depends on two key factors: the actual value of the vehicle and the duration of the cover. Most brokers offer cover ranging from 1 day to 28 days, or longer periods of 1, 2, 3, or 6 months. Expect to pay in the range of £50 to £60 for 1 day; 2 days would cost slightly more, but not double the price.