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

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

  • check
    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
  • check
    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. 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. 

In summary horsebox insurance comes in three forms ranging from full 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. 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 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. 

  • 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 

    • check
      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.  
    • check
      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. 
    • check
      Safe Parking :  Providing secure overnight parking for your horsebox will reduce risk and should reduce your policy prremium  
    • check
      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.  
    • check
      Restrict drivers on the policy :  If are able, select named drivers and ensure they are over 25 with a clean driving licence. 

    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

    Featured articles from the archives

    Taking Care of a Horse with Arthritis
    Veteran Horse Insurance Quotes Taking care of a horse with arthritis Arthritis is considered a rather big nuisance for horses.[...]
    Buying a Horsebox
    Get Multiple Insurance Quotes​So, which type of  horsebox is best? This will depend on your priorities. A fully-equipped living area[...]
    5 Feeding Tips for Veteran Horse
    Veteran Horse Insurance Quotes 5 Tips for Feeding An Older Horse With Dental Problems As horses get older, age-related senile[...]
    Top Horse Grooming Tips in Winter
    Get Multiple Insurance QuotesAs nature clothed our surroundings with his cold weather, identifying wounds, infections (bacterial & fungal) on the[...]
    Trailer Driving Tips
    Horse Trailer  Insurance QuotesDriving with a trailer attached requires practice, the best advice is never forget that you have  trailer[...]
    love horses