• Multiple quotes for horseboxes 1-6 stalls
  • HGV horseboxes covered 3.5 & 7.5 Tonne
  • Any driver over 25 available
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    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

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, in addition to the valuable livestock. Your costs need to be protected by taking out horsebox insurance that is specific to the vehicle use, personal or business.

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 from UK specialist brokers. 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. 

  • 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. 
  • 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 horsebox repair or medical treatment. The policy also pays out for fire or theft of your horsebox
  • Third party: This is the lowest level and is a legal requirement. Pays out to the third party only.
  • It is a legal requirement to have a minimum of third party insurance for motorised horseboxes. The only exception is that the vehicle has been registered off road with SORN

Extras that may be included or added to your horsebox insurance policy

All policies offered will have different terms and condition plus some may offer additional elements, 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, 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.

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:
  • 1,500 miles
  • 3,000 miles
  • 5,000 miles
  • 8,000 miles

Livestock Haulage and by Laws

Most UK drivers can not legally adrive a HGV horsebox or tow a horse trailer with 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 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 

  • 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 advent of an accident. Speak with your broker broker about increaseing this amount in return for a lower insurance quote. If wish you may also take out additional cover for the excess amount. 
  • Safe Parking :  Providing secure overnight parking for your horsebox will reduce risk and should reduce your policy premium  
  • Pay as you go insurance :  If you only transport livestock occasionally to events, it may well work out cheaper to consider an insurance policy based on miles traveled.  
  • Restrict drivers on the policy :  If you are able, select named drivers and ensure they are over 25 with a clean driving licence. 
  • Lane Assist :Accidents are the result of human error : with the advent of  technology newer vehicles come equipped with features to minimise human error, for example LKA ( lane keeping assistant ). If you have fewer accidents  your premium 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 your horsebox including its interior it advisable to take security measures that will lower the risk of theft particularly at show or events. 

Article by Eamonn Turley

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