HorseBox Insurance Quotes for 3.5 & 7.5 Tonne
In the equestrian world horseboxes enable owners to transport horse to showgrounds, local competitions or a regular vet check up. As the owner of a horsebox you will be aware that horseboxes are expensive and often contain valuable equipment. Your investment needs to be protected. Horsebox insurance provides this protection and we can be tailor it to meet your personal or business needs.
Can My Horsebox Be Insured
An accident whilst towing a trailer or driving a horsebox comes with an increased risk of collateral damage if the horse gets spooked and breaks free.
We provide a facility to receive multiple quotes for all horsebox categories ranging from HGV 7.5 tonne category to the smaller 3.5 size. Multiple quotes for horse trailer insurance or horse lorry insurance will help you compare the cost across a wide range of brokers including trusted names in the industry such as NFU horsebox insurance.
Using a comparative site gives easy access to a range of horsebox insurance brokers that can provide cheap horsebox insurance. This approach to finding horsebox insurance is much faster than visiting each individual site. Simpy complete one simple online form to start the comparison process.
Levels of Horsebox Insurance Available :
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 an extra premium.
Horsebox insurance quotes can be provided at three levels that range from fully comprehensive to third party only as listed below.
Extras that may be included or added to your horsebox insurance policy
Most policies have different terms and condition plus some may offer additional extras. For example providing a complimentary 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 never travel to Europe why have it included in your policy. When stripping out elements that are not needed do be careful not to under insure by removing something that you will need.
Some of the options that are available are listed below.
Livestock Haulage and by Laws
Most UK drivers can not legally adrive a HGV horsebox or tow a horse trailer without undergoing additional training. 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 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 horsebox insurance policy.
Tips on Reducing your Horsebox Insurance Premium
Anti-theft devices can reduce the cost of horsebox insurance
There are some policies that require one or more anti-theft devices. Insurance claims may well be refused if the anti-theft device was fitted but not used.
Horseboxes are valuable and as such are the target of theft. To lessen the risk of horsebox or trailer 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. Taking additional precautions should lead to less claims and a lower horsebox insurance premium.
Article by Eamonn Turley