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 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. 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.
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. 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 at a premium.
In summary horsebox insurance comes in three forms ranging from full comprehensive to third party only as listed below.
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 vehicle 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 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. Some of these extras are listed below.
- Below 3,000
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.
- Please check the UK government website for in-depth guidelines on driving licence
- 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
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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