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Table Of Contents

A Guide To Horsebox Insurance
What Levels of Horsebox Cover Is Available?
Common Optional Coverage Options
Tips On Reducing Horsebox Insurance And Protecting Your Horsebox Or Trailer
Anti-theft devices can help reduce the cost of a horsebox insurance policy
Horsebox Insurance FAQ's
Get Multiple insurance Quotes and Compare Horsebox Insurance

A Guide To Horsebox Insurance

Get multiple horsebox insurance quotes. Quotes are available for all horsebox categories, including 7.5 tonne lorry insurance to the smaller 3.5 t category. Enter your insurance requirements and receive quotes that are tailored to your individual equine needs.

Getting horsebox insurance is essential to be able to drive legally if the horsebox is motorised. The best level is comprehensive horsebox insurance policy, this will protect your cherished horsebox should it be in an accident, regardless of fault. If you are operating a horse trailer, most car insurance polices will extend third part cover to the trailer. But again, you should consider horse trailer insurance to protect an expensive investment.

Multi Quote Time, in partnership with Quote Zone provides a simple form which once completed is submitted to a specialist panel of brokers. To get multiple quotes, select GET A QUOTE button above and provide basic information to a panel of UK brokers.

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What Levels of Horsebox Cover Is Available?

The main types of cover you can get with a Horsebox Insurance policy are:

Third-Party: Third-party cover enables you to drive your vehicle legally. This is the lowest level of cover available and provides protection for third parties when you’re involved in an accident that’s your fault. Although this is typically the cheapest option, it is worth considering a comprehensive policy to fully protect your own valuable horsebox.

Third-Party, Fire, and Theft: This covers the third-party vehicle in the event of an accident, but you must shoulder your own costs for repairs or medical treatment if you’re at fault. The policy also covers repairs to your horsebox if it’s damaged by fire or stolen.

Comprehensive: This provides the owner with the most protection in the event of an accident. It covers damage to your horsebox and any third-party vehicle involved, along with medical bills. Comprehensive cover usually also protects your vehicle from other types of damage, such as if your horse were to kick and break anything inside the horsebox. However, it’s important to confirm this with the policy provider.

Did you know?

It is illegal to travel with your horse in the horsebox, horse van or in the trailer.

Common Optional Coverage Options

Public liability insurance for claims.
Protected no-claims discount.
Replacement of old vehicle for new.
Discounts for providing extra security measures that are installed.
Cover for driving in European.
Many insurance firms offer discounts when the annual mileage is limited.
Horsebox breakdown cover provides roadside assistance when there is a problem and can include taking your horses to their destination.

Did you know?

If you passed your test on or after 1st January 1997 you have “grandfather rights” to drive a vehicle and trailer with combined weight of 8,250 kg.

Tips On Reducing Horsebox Insurance And Protecting Your Horsebox Or Trailer

Keep a record of the make, model and year of manufacture of your horsebox or hors trailer r as well as photographs. These can help with a quick recovery should it be stolen or damaged in an accident.
Valuable equipment should never be stored inside the trailer or overnight.
Fit only anti theft devices that are recommended or approved by insurance companies.
For Horse Trailers, use both hitch and wheel locks to secure your trailer and keep in a secure area.
Pay per mile: If you only transport livestock occasionally to events, it may well work out cheaper to consider an insurance policy based on usage or miles travelled. If you are able, select named drivers and ensure they are over 25 with a clean driving licence.
Pay annually avoids the interest payments required when paying monthly and quarterly.
Multiple Quotes : Having multiple quotes will enable you to compare quotes online to find the best deal
Security : Providing secure overnight parking for your vehicle will reduce risk and should reduce your policy premium. This would be off the street and preferable in a locked building.
Increase the excess : The excess is the amount that you the driver will be responsible to pay in an event of an accident. Speak with your broker about increasing the excess in return for a lower quote. If you wish, you may also take out additional cover for the excess amount.

Anti-theft devices can help reduce the cost of a horsebox insurance policy

Some horsebox insurance policies require one or more anti-theft devices. The insurance company may refuse claims if an anti-theft device is required but not used. Horse trailers are valuable and, as such, are common targets for theft. To reduce the risk of theft, some brokers may insist on the use of wheel clamps. The best way to protect your investment is by taking extra security measures, such as installing an approved tracking device. These measures help lower the risk of theft both at home and at equestrian events.

Get Multiple insurance Quotes and Compare Horsebox Insurance

When you start comparing horse trailer insurance, always read the policy inclusions and exclusions, some may include extras that you find attractive. Do not take out cover for things that you will not need, for example driving in Europe. When searching for any type of insurance, it is prudent to compare all the available options. Offers are always changing and as Insurance needs to be renewed every year, use this fact to shop around for a better deal.

Getting multiple quotes for horsebox insurance will allow you to compare costs across a wide range of brokers. It’s always a good idea to obtain several horsebox insurance quotes from reputable providers before making your final decision.

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Horsebox Insurance FAQ’s

Who providers Equine insurance products in the UK?

Horsebox and horse trailer insurance tend to be specialist products that not all brokers will provide. The good news is that you can choose from brokers that specialise in equine insurance products. The key providers include SEIB, KBIS , Shearwater, Equsecure, Adrian Flux, NFU and Anthony D Evans horsebox insurance, all provide a range of policies geared towards the equine insurance sector. Getting multiple quotes from comparison sites will help narrow down the range of choices. When comparing policies, make sure that you are comparing like for like.

How much does horsebox insurance cost?

The cost of a horsebox insurance policy will be determined by several factors. The size and value of the horsebox will play a major role— for example, a 7.5t lorry will typically be more expensive to insure than a smaller 3.5t horsebox. Other factors include the level of coverage and the chosen excess amount. Increasing the excess should reduce the final cost, as would limiting the policy to named drivers only.

Adding extras like horsebox breakdown cover will increase the cost, but you’ll need to weigh the benefits against the expense.

Is insurance available for converted horseboxes?

Insurance is available for both manufactured and commissioned self-build horseboxes. If you have purchased a second-hand horsebox and converted it into a mobile van or trailer, be sure to state any modifications during the quote process.

Can I buy horsebox insurance online?

Horsebox insurance quotes are available online, but first, you must enter your horsebox insurance requirements. Quotes for modified horseboxes may need to be generated manually and then emailed, or the broker may contact you directly.

Does the insurance cover me to transport my friend’s horse?

This is normally acceptable as long as some preconditions are met. These include no money or reward changing hands, except for fuel costs. If you provide this as a paying service, you will need additional insurance, termed ‘hire and reward van insurance.’

On a long journey, can I share the driving with a friend?

If your friend holds the correct licence and is covered under your insurance policy, then they may drive. Typical policies may state that any driver over 25, or you may have named the additional driver(s) explicitly in the policy.

Am I covered to drive in Europe?

Please refer to Gov.uk Driving Abroad for the original statement. All UK vehicle insurance provides the minimum third-party cover to drive in other EU countries. The key takeaway is that your cover may be limited to third-party only. Please contact your broker to clarify the specific details on your individual policy, for example, green card inclusion. Also, check that you have horsebox–breakdown cover for travel into Europe.

Are there any weight or height restrictions?

Most brokers will provide a quotation based on the information given. If your vehicle is unusually heavy or tall, please inform your broker. If your trailer has been modified, notify your broker when obtaining a quote and before making any further modifications.

Is damage caused by the horse during transportation covered by insurance?

Comprehensive insurance policies will typically cover damage caused by the livestock being transported.

Is horsebox breakdown cover included in the policy?

Breakdown cover for your horsebox or car and trailer is optional. If you frequently travel long distances, this cover may be worth considering. However, if you primarily drive locally, it might be more cost-effective to arrange services with a local breakdown company or garage.

Does my policy include coverage for tack?

Tack is typically not included in horsebox or horse trailer insurance but can usually be purchased as a separate policy.

Do I need an operator’s licence?

An operator’s licence is required only if you are driving the horsebox for business use, such as a horse trader or dealer involved in buying and selling livestock.

Do I need a driver’s CPC?

A CPC certificate is only required if you are driving a vehicle over 3.5-tonnes professionally. It is not needed for personal or amateur use, such as taking your pony to a show.

Will my livestock be insured?

Horse trailer or horsebox insurance does not cover livestock. For this, you will need to take out a separate horse insurance policy. Check out our veteran horse insurance comparison guide for more details.

Updated: 29 Jan 2025
Reviewed by Eamonn Turley Insurance Expert