Horsebox Insurance

Protect your Horsebox today. Compare quotes from multiple brokers.

  • HGV horseboxes covered 3.5 & 7.5 Tonne
  • Any driver over 25 available
  • Social, pleasure and domestic horsebox insurance
  • Flexibility in premium payments
  • Hire and reward for business
  • Complete one quick and easy form

Horsebox Insurance UK - Compare Quotes

We provide a facility to receive multiple horsebox insurance quotes for all horsebox categories, ranging from the HGV 7.5 tonne category to the smaller 3.5 size. 

As the owner of a horsebox you will be aware that it is expensive and often contain valuable equipment. Your investment needs to be protected. Horsebox insurance provides this protection and can be tailored it to meet your individual requirements.

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 as many quotes as possible from trusted names in the industry before deciding on your final Horsebox insurance policy.

Levels of horsebox insurance available 

  • Comprehensive :  Also referred to as fully comp provides the owner the most protection in the event of an accident. This covers damage to your vehicle, as well as the other party referred to as the third party, regardless of fault. 
  • Third party fire and theft : This pays out in the event of an accident that was deemed to be your fault, but only to the third party. You must shoulder your own costs for repair or medical treatment. The policy also pays out for fire or theft of your lorry
  • Third party: This is the lowest level and is a legal requirement. Pays out to the third party only.

Typical horsebox insurance optional extras

Most policies have different terms and condition plus some may offer additional extras. For example, providing a complementary transport vehicle when yours is being repaired. However, it is important not to pay for things that you don't actually need. Take European cover ( Green Card ). If you have will never travel to Europe why have it included in your policy.

Some of the options that are available are listed below.

  • Public liability insurance for claims
  • Protected 'no claims bonus'
  • 4x4/towing vehicle cover
  • Replacement of old vehicle for new
  • Public liability insurance for claims
  • Discounts for providing extra security measures
  • Cover for driving in European
  • Limit miles how it works :  The amount of time on the road naturally reduces the risk to the underwriter. As such some brokers offer discounts for low miles that normally fall into the following brackets: less than 1,500, less than 3,000, less than 5,000 and less than 8,000

horsebox insurance Breakdown Cover

We can offer a range of competitive quotes for horsebox breakdown cover or car breakdown cover that includes the horse trailer.

Horsebox insurance driving licence restrictions

Drivers should check that their license is appropriate for the size and type of vehicle they intend to drive. Driving without a valid licence will invalidate your insurance policy.

  • Typically, for a vehicle weighing up to 3.5 tonnes, a category B license (usually for private cars) is required.
  • 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. For vehicles between 3.5 to 7.5 tonnes, a C1 category license is required to drive. They are also permitted to drive towing vehicles  of up to 0.75 tonnes (maximum gross weight).

How can I save money on my horsebox insurance premium?

  • Low Insurance Categories: Horseboxes fall into insurance categories, vehicles that fall into category 1 are the cheapest to insure and should be considered if a young driver will be added to the policy and you wish to keep costs down
  • Increase the Excess amount : The excess is the amount that you the driver will be responsible for in an event of an accident. Speak with your broker broker about increasing this amount in return for a lower quote. If wish you may also take out additional cover for the excess amount.
  • Safe Parking : Providing secure overnight parking for your vehicle will reduce risk and should reduce your policy premium.
  • If you only transport livestock occasionally to events for example, it may well work out cheaper to consider an insurance policy based on usage or miles travelled. If you only transport livestock occasionally to events for example, 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.
  • Whilst paying for your insurance all in one go will be cheaper, it may be more practical to spread the costs and opt for a monthly payment plan.

Anti-theft devices can reduce the cost of horsebox insurance

There are some horsebox insurance policies that require one or more anti-theft devices. Claims may be refused if an anti-theft device was fitted 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. Given that you most likely have spent a considerable amount to bespoke your horsebox including its interior it advisable to protect it. The best way to protect your investment is to take extra security measures such as adding a tracking device. These measures will lower the risk of theft both at home and at equestrian events. 

Can I take my horsebox abroad?

With Brexit ongoing, the exact impacts of travelling to Europe is still unclear and you should speak with your broker to get clarification and advice. Also, be aware that if you do travel abroad you must comply with any country level laws. A good example is the need to have a warning triangle and reflective jackets whilst driving in France

Can I use my vehicle to transport livestock that I do not own?

If you do not make an actual profit, then it is classed as social or domestic use. However, if you wish to make a profit and charge for your service, please contact the DVSA to get advice on the need for a transporting licence. Also contact your broker to review your policy and make sure you have the correct level and type of cover in place.

Start Comparing the costs of horsebox insurance

Using a comparative site gives easy access to a range of  insurance brokers that can provide cheap horsebox insurance. 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 horsebox insurance. 

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