• Multiple quotes for motorized horseboxes
  • HGV horseboxes covered 3.5 & 7.5 Tonne
  • Any driver over 25 available
  • Check Circle
    Social, pleasure and domestic
  • Flexibility in premium payments
  • Hire and reward for business
  • Any driver over 25 available

HorseBox Insurance Quotes for  3.5 & 7.5 Tonne

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 valuable or loved animal being taken to the vet or a sporting venue.  This type of insurance does not include actual horse insurance and this can be purchased separately.

We can provide multiple quotes for all horsebox categories ranging from HGV 7.5 tonne category to the smaller 3.5 from UK specialist brokers, letting you compare the cost of NFU horsebox insurance against multiple brokers . These transporters are often bespoke and are always costly so it is important to take cover that will protect your investment should an accident occur.  We have partnered with QuoteSearcher whose partners will provide you with multiple quotes for horse trailer insurance  or  horse lorry insurance. When completing the quote from take time to correctly enter your email and phone number to enable the brokers to send you insurance offers based on your individual driver requirements.

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    It is a legal requirement to have a minimum of third party insurance for motorsied horseboxes. The only exception is that the vehicle has been registered off road with SORN
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    The type of licence required is dependent on a few factors which is explained in this section Driving Licence Restrictions

Levels of Horsebox Insurance Available :

Horsebox insurance policies apply whether you're on the road, at an equine competition or at home. Basic and legally required coverage starts with third party, which only covers the third or other party only. This can be upgraded to third party with fire and theft. The top level is comprehensive insurance which covers third party, fire and theft plus cover to your own horsebox and contents, even when you are at fault. 

Remember it is not only a legal requirement to have at least third party cover it is also your social responsibility.  Additional coverage and other extras are available and in particular for tack and equipment. Some brokers will accept under 23 and under 25 drivers, but normally at a premium.

In summary horsebox insurance quotes  can be provided at three levels that range from fullly comprehensive to third party only as listed below. 

  • What is comprehensive insurance? Comprehensive also referred to as fully comp provides the owner the most protection in the event of an accident. In plain English it covers damage to your vehicle, as well as the other party referred to as the third party, regardless of fault. 
  • What is third party fire and theft? Again this pays out in the event of an accident that was deemed to be your fault, but only to the third part. You must shoulder any costs for vehicle repair or medical treatments . In addition  it provides you with protection for fire and theft of your own vehicle.
  • What is third party only? This is the lowest level and is a legal requirement and pays out to the third party for accidents that you have caused.

Extras that may be included or added to your policy

All polices offered will have different terms and condition plus some may offer additional elements, for example providing a complimentary  horse van when your own transporter is being repaired. However, it is important not to pay for things that you don't actually need, for example including European cover ( Green Card ) when you will never actually travel to Europe. At the  same time be sure not to under insure, take your time and consider all exclusions and inclusions before coming to a final purchase decision and when in doubt take advise from your broker.  Some of these extras 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
  • Limited millage 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:
  • Below 1,500
    • Below 3,000 
  • Below 5,000
  • Below 8,000
  • Livestock Haulage and by Laws

    Most UK drivers can not drive legally a HGV vehicle or tow an horse trailer with undergoing training additional training and subsequent change of driving licence status. The appropriate licence required will depend size and weight of the vehicle that you intend to drive.

    The bylaws that govern the ownership and operation of livestock carriers 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 click here to review. 

    Driving Licence Restrictions

    Drivers should be fully aware of the proper license they must possess 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. 

    • 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).

    Tips on Reducing your Annual Premium 

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      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.  
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      Increase the Excess amount : The excess is the amount that you the driver will be responsible for in an advent of an accident. By agreeing with your broker to increase this amount should then lead to lower premium, as it shows responsibility on your behalf. If wish you may also take out additional cover for the excess amount. 
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      Safe Parking :  Providing secure overnight parking for your horsebox will reduce risk and should reduce your policy prremium  
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      Pay as you go insurance :  If you only transport livestock occasionally to events for example it may be well work out cheaper to consider an insurance policy based on miles traveled.  
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      Restrict drivers on the policy :  If are able, select named drivers and ensure they are over 25 with a clean driving licence. 
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      Accidents are the result of human error : with the advent of  technologu newer vehicles come equipped with feautures to minimise human error , for example LKA ( lane keeping assistant ). If you have fewer accidents then your premiu costs will come down.  

    Anti-theft devices

    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. 

    The aim of getting a good level of cover  is to provide peace of mind to equine 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.

    Horseboxes are valuable and as such are the target of theft. Some brokers will insist on the use of wheel clamps and other measures to lessen the risk of being stolen. Given that you most likely have spent a considerable amount to bespoke the horsebox including its interior it advisable to take security measures that will lower the risk of theft particular at show or events. Help an be provided by deferring to a specialist in the field of livestock transporter policies, helping you to better understand the coverage options and any associated benefits.

    Article by Eamonn Turley

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