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Table Of Contents
  1. Search & Compare – One Form Multiple Quotes!
  2. Horse Trailer Insurance Guide
  3. Trailer types covered
  4. Horse trailer insurance with public liability
  5. Search & compare affordable quotes from industry leading Horsebox and Trailer insurance providers, including
  6. Things to remember when towing
  7. Tips to reduce the cost of horse trailer insurance 
  8. Levels of Horse Trailer Insurance
  9. Compare horsebox trailer insurance
  10. Trailer Insurance FAQ's

Horse Trailer Insurance Guide

Horse trailer insurance will provide protection to your non-motorized transport vehicle should it be damaged or stolen. Your existing auto insurance will provide some cover for towing a trailer, but it will be limited to a third party and not offer cover if it is stolen or damaged. Horse trailer cover is slightly different to horsebox insurance as detailed below.

horse trailer insurance

Trailer types covered

Horse trailer insurance is not required by UK law, but will help protect your investment. This type of cover can be for a livestock transporter along with general purpose trailers, box trailers, boat trailers, car trailers and gooseneck hitch trailers.

Horse trailer insurance with public liability

Some providers will include Public liability insurance as part of the standard policy, example Sterling insurance include £1m public liability cover. This will provide cover from damage to third party property or injury caused. Other providers will let you choose the PL level.

Did you know?

Most comprehensive car and van insurance policies will only cover horsebox trailers for third party liability (damage to other vehicles and property).

Search & compare affordable quotes from industry leading Horsebox and Trailer insurance providers, including

Did you know?

Aluminium horse trailers are significantly lighter than steel or wooden trailers, whilst more expensive, factor in fuel savings and ease of maintenance.

Things to remember when towing

Driving a car with a trailer will be a bit of a learning curve for some. For those new to the world of towing, read some basic trailer driving tips to get off to a good start.

Because of the additional weight it adds to the tow vehicle, braking will take longer, as such keeping your distance is paramount to towing safely.
Cornering takes longer and requires more space.
Keep the trailer well maintained will help prevent problems on the road.
Always perform a safety check before heading out on the road.
If transporting one horse, load it to the driver’s side, if 2 horses then load the heaviest to the driver’s side.

Tips to reduce the cost of horse trailer insurance 

Horse trailer Insurance

As you know, horse trailers are expensive items, with many designed to your bespoke requirements and don’t forget the expensive equipment inside. Below, we have compiled some advice on ways to lower the risk of falling victim to theft.

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Use both hitch and wheel locks to secure your trailer and keep in a secure area.
Valuable equipment should never be stored inside the trailer overnight.
Keep a record of the make, model and year of manufacture of your livestock transporter as well as photographs. These can help with a quick recovery should it be stolen or damaged in an accident.
Limit to named drivers and drivers with experience and good driving history, age 25 or over if possible.
Take photos as these can be used to track your transporter.
Fit only anti theft devices that are recommended or approved by insurance companies.
Low annual mileage or pay as you go cover
Increase the excess, the amount that you are responsible for if a claim is made that is your fault.

Even after taking the above precautions, you will still run the risk of theft. As such, make sure your horse trailer insurance policy will cover theft and damage and the payout is sufficient to replace your rig without going out of pocket. This is often referred to as “new for old replacement”.

For more information, there is the guidance for horsebox and trailers owners published by the UK government.

Levels of Horse Trailer Insurance

Third party only provides cover for damage caused to any third party. No cover is provided to the actual trailer, and this level of cover is normally included in a standard car insurance policy.

The next step-up is adding third party fire and theft cover, but still no cover for your trailer or valuable contents if you are held liable.

Fully comprehensive insurance provides the top level of cover. This type of policy will cover damage to your horsebox and other parties property.

Compare horsebox trailer 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.  

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