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Compare HorseBox Insurance 3.5 & 7.5 Tonne Horse boxes
Thoroughbred owners who are serious about owning equine champs for equestrian sport and for leisure rides should definitely consider all horsebox insurance options. Transporting livestock is a serious matter since this is usually a prized animal being taken to the vet or a sporting venue. 7.5 tonne and smaller 3.5 ton Horseboxes are often costly, thus, it's only sensible to insure such expensive investments. We have compiled a select Panel of 100 plus UK underwriters that will provide you with multiple quotes for horsebox and horse trailer insurance.
Just think about the many hours that your valuable transporter is parked at the event venue. Here it is vulnerable as it is left unattended on unsecured grounds and quite susceptible to thieves who may be lurking in the area. Ensure your horse along with tack and equipment .
Insuring your horse box transporter is equally as important as insuring your horse, having both covered will take some of the burden in case the unfortunate does indeed happen. A pony or horse is a costly purchase and for this reason alone it is important that you take the best care of it at home and when in transit. When in transit you need the correct level of insurance we can provide multiple quotes to help you find cover for your horsebox as well as your horse.
Horsebox insurance policies apply whether you're on the road, at an equine competition, or at home. Additional coverage and other extras are available particularly for tack and equipment.
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Below is just a short list of what these policies can cover:
- public liability insurance for claims
- protected 'no claims bonus'
- 4x4/towing vehicle cover
- replacement of old to new horsebox,
- immobilisers/security discounts
- trailer cover
- limited mileage discounts
- public liability protection for claims
- private car 'no claims bonus' allowable
- motorised transport with a maximum of four stalls
- theft, fire and accidental damage
- cover for European use
A good policy can provide the following benefits as well:
- Competitive premiums
- roadside assistance
- drivers aged 21 to 69
- UK breakdown and recovery services
- home breakdowns
Livestock Haulage Bylaws
The bylaws that govern the ownership and operation of horseboxes and trailers are somehow still uncertain. For years, the equestrian press featured plenty of articles which focused on the issues of not complying to the safety guidelines and have cautioned on the possible dangers to both humans and livestock where these are violated.
The VOSA (Vehicle and Operator Services Agency) had recently tried to establish more clarity on such rules. The agency has also published a helpful guidelines together with the British Pony Society and other equestrian organisations and groups. The guide is available on the UK government web site.
Horse Box Driving Licence Restrictions
Drivers should be fully aware of the proper license they must possess, that is to ensure their licenses are appropriate for the size and type of vehicle they drive. Insurance policies do not distinguish on the type of horse so colts, geldings, mare, mustang or filly are all deemed to be the same. We also provide the facility to compare horse lorry insurance again by completing one simple online quote form. We offer quotes for a wide range of livestock transporters ranging from 3.5 tonne vehicles up to large HGV’s.
Can I legally tow a Trailer with my licence?
If you passed your driving test before the 1st January 1997 then you are entitled to drive a vehicle and trailer combination with a combined weight of up to 8.25 tonnes. As long as you have car insurance and horsebox insurance, your driver’s licence will cover this, without any need for a special operator’s licence.
Can I legally tow a Trailer with my licence?
f you passed your test on or after the same date, you are able to drive a vehicle with a weight of up to 3500kgs and attach a trailer of up to 750kgs, without a special licence provision. However, if you are driving a combination that exceeds those weight limits, you are required to apply for a Category B + E entitlement, which demands that you take another type of driving test.
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- Typically, for a vehicle weighing up to 3.5 tonnes, a category B license (usually for private cars) is required.
- For vehicles between 3.5 to 7.5 tonnes, a C1 category license is required from the driver. They are also permitted to drive towing vehicles of up to 0.75 tonnes (maximum gross weight).
- Automatic entitlement from B license to C1 license no longer applies for drivers who took the test for category B license later than January 1, 1997.
- Check the UK government website for in-depth guidelines on driving licence
Among the legalities of owning a transporter of animals is having an annual VOSA test (MOT / plating) in order to ensure that it meets the minimum road safety and environmental standards. Aside from the annual testing, VOSA also carries out regular checks all throughout the entire Great Britain road network. You can expect a routine inspection if your vehicle happens to be in the same area as the VOSA inspectors.
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Maximum Vehicle Weight
The load carried must never exceed the vehicle's maximum weight that it was designed to haul. The manufacturer's plates (usually set on the inside of the passenger door frame) specify these weights and should always be adhered to on all vehicles.
Weight of Towing Vehicle
The towing vehicle's weight should be its combined actual weight and of the container, but should not exceed that maximum train weight of the towing vehicle. Calculate properly the combined weight of the trailer, equine(s), tack, passengers, and other equipment as thee are all included in the final combined weight.
Equine Trailer Security
If you own an Ifor Williams trailer, it is automatically registered on the company's database and the TER ( National Plant and Equipment Register). You can register on the national database yourself to ensure your pony trailer's serial number can be traced back to you in the event that the horsebox is stolen.
Using Anti-theft Device
There are some policies that require one or more anti-theft devices. However, it is possible for these insurers to refuse claims if the anti-theft device was fitted but not used. Make sure to clarify this issue during your search.
The aim of getting a good level of cover is to provide peace of mind to Thoroughbred owners whenever and wherever they are. Of course there are certain security measures involved to further protect your horsebox and its contents - horse/s, equipment, and other essential supplies.
If you are a serious equine owner, you need to look for the best insurer out there to avoid costly mistakes. Choose only a specialist in the field of livestock transporter policies to help you understand the coverage and benefits available to you.