Horsebox Insurance 

Protect your Horsebox today. Compare quotes from multiple brokers.

  • 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
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In the equestrian world horseboxes enable owners to transport horses to showgrounds, local competitions or a regular vet check up. As the owner of a horsebox you will be aware that it is expensive and often contain valuable equipment. Your investment needs to be protected. Horsebox insurance provides this protection and can be tailored it to meet your individual requirements. An accident whilst towing a trailer or driving comes with an increased risk of collateral damage should the occupant get spooked and break free.

We provide a facility to receive multiple quotes for all horsebox categories, ranging from the 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. It always makes sense to get as many quotes as possible from trusted names in the industry such as KBIS horsebox insurance, A Plan and SEIB Horsebox insurance.

Levels of horsebox cover 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.

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. This 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 repair or medical treatment. The policy also pays out for fire or theft of your lorry
  • 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 cover for motorised horseboxes. The only exception is that the vehicle has been registered off road with SORN. The type of licence required is dependent on a few factors which is explained in this section Driving Licence Restrictions


Typical horsebox insurance optional extras 

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.

  • 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: less than 1,500, less than 3,000, less than 5,000 and less than 8,000

Typical horsebox insurance exclsuions

All policies horse-box insurance policies included l come with a set of exclusions or limitations to claim amounts. As such it is important to be aware of these and base your selection on not only the price , but what is included and what is excluded. Below we have listed some common exclusions that are common to most horse-box insurance policies.

  1. 1
    Horse box insurance does not provide veteran horse insuarnce, for your equine  you need to take out a separate horse insurance policy.
  2. 2
    If your are transporting any animal you must follow any limits set by the towing vehicle. The max weight is stamped on both trailers and horseboxes and should never be exceeded else your insurance will be void.
  3. 3
    Travel abroad is not always included and if it is it will come with restrictions, If travel abroad is a requirement then pay extra attention to any limits set or speak with your broker on changing these to meet with your individual requirements.
  4. 4
    Who can drive can be restricted, one common restriction is young drivers or drivers under 25. If needed your driver can be included, but because of the risk it will greatly increase your haulage insurance premiums

Guide for horsebox and trailer owners

Most UK drivers can not legally drive a HGV horse box or tow a horse trailer without undergoing additional training. The appropriate licence required will depend on the 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 for horsebox and trailer owners will answer your questions on the rules of transporting equnes. The guide covers rules governing both horseboxes and towing trailers by car, estate wagon or a 4x4 pickup.


Horsebox 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 insurance policy.

  • 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, 1997For 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).

How can I save money on my insurance premium 

Owning a horse alone is expensive, but if you need to transport your equine you will need either a small horsebox or dedicated horsebox trailer. Then you need to add insurance for your towing vehicle and this all adds up. As such it is wise to look at some steps that you can take to save money of the cost of owning and transporting an equine.

  • 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 event of an accident. Speak with your broker broker about increasing this amount in return for a lower quote. If wish you may also take out additional cover for the excess amount.
  • Safe Parking : Providing secure overnight parking for your vehicle will reduce risk and should reduce your policy premium.
  • If you only transport livestock occasionally to events for example, it may well work out cheaper to consider an insurance policy based on usage or miles travelled. If you only transport livestock occasionally to events for example, it may well work out cheaper to consider an insurance policy based on usage or miles travelled . The less miles travelled means less time on the road which greatly reduces your probability of being involved in a road accident. If this is true, look for providers that offer a reduction for low mileage, based on an agreed annual upper limit .
  • If you are able, select named drivers and ensure they are over 25 with a clean driving licence.
  • Whilst paying for you insurance all in one go will be cheaper, it may be more practical to spread the costs and opt for a monthly payment plan.

Anti-theft devices can reduce the cost of horsebox insurance

There are some policies that require one or more anti-theft devices. Claims may be refused if an anti-theft device was fitted but not used. Horse transporters are valuable and as such are the target of theft. To lessen the risk of 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 premium. 

Providers of Horsebox Insurance

Most brokers that you associate with Horse insurance will also provide quotes for Horsebox insurance. Other brokers are coming on board to serve this niche market. ERS is one of the later brokers to have entered the market. Other key providers include nfu horsebox insurance, A Plan, Anthony Evans and shearwater horsebox insurance.

Malcom Cawsey

Product Manager ERS

“Horsebox size, weight and valuations vary wildly, and we pride ourselves on being able to deliver flexible, bespoke underwriting for every customer, whether their horsebox is worth £500 or £350,000.”

Start Comparing the costs of horse-box insurance

Using a comparative site gives easy access to a range of  insurance brokers that can provide cheap horsebox insurance. This approach to finding cover is much faster than visiting each individual site. We can provide you with multiple quotes. Start by selecting the get a quote option below and complete one simple online form. Sit back as the system generates multiple quotes, enabling you  to easily compare what is currently on offer.

Compare HorseBox Insurance

Protect your Equine Transporter today - Compare quotes from multiple brokers.

Article by Eamonn Turley

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