Horsebox Insurance
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Why Compare Horsebox Insurance Quotes at SimplyQuote.co.uk?
SimplyQuote helps you find a great horsebox insurance deal fast. We save you the time and hassle of searching for quotes by working for you. We compare quotes from a range of different insurers and provide you with the best options. The process is quick and streamlined.
Provide us with the following information and we’ll provide you with fast, affordable quotes from the UK’s leading horsebox insurers.
1. Your personal details
Provide your name and contact details and if you’re using the horsebox to transport horses as a business.
2. Your horsebox
Tell us the make and model, size, mileage, and condition of the horsebox. Does it have any modifications or security features like a tracker or dashcam?
3. Travel and driver details
Do you transport horses long-distance or locally? How many drivers will operate the horsebox and what are their ages? Will you travel abroad with your horsebox?
Why Do You Need Horsebox Insurance?
Horsebox insurance is invaluable for horse and horsebox owners for several reasons. The prime reason for investing in horsebox insurance is that it’s a legal requirement. Having insurance for a horsebox is mandatory when transporting horses on public roads in the UK. This specialised insurance provides financial protection in case of accidents, damages, or theft involving the horsebox.
By ensuring you have the appropriate horsebox insurance, you comply with the law and safeguard yourself against unfortunate accidents while transporting your four-legged friends.
What Types Of Horsebox Cover Are Available?
The UK horsebox insurance market offers a wide range of cover options from multiple insurance providers – including Fully Comprehensive, Third-Party, and Third-Party, Fire and Theft.
Fully Comprehensive
A comprehensive insurance policy is designed to cover all the unhappy outcomes that result from an accident or theft – including repairs, replacement, and third-party cover.
Third-Party
This protects you if you cause injury or loss to a third party. As a horsebox owner, you are required to have third-party insurance as a minimum.
Third-party, Fire and Theft
Provides third-party insurance and covers you for loss due to fire or theft.
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What Add-On Risks Can You Cover?
Additional risks you should consider covering, usually at an extra cost, include:
- Vandalism
If your transporter is vandalised on the road or at a show, for example. - Public liability
To cover you if you cause injury to a member of the public; legal expenses may also be covered by the policy. - Replacement vehicle
To help you hire a replacement transporter if your horsebox is out of commission due to an accident. - Breakdown cover
To help with roadside assistance if your transporter breaks down. - Horse damage to vehicle
Payment for damage to the horsebox caused by horses.
Are There Exclusions On Horsebox Cover?
- Weight and age
Some providers might not insure horseboxes and trailers over a certain weight or age. - Contents
The contents of the transporter usually aren’t covered. - Driver’s age
Many insurers won’t insure drivers under 21 years old.
Do You Need Horse Trailer Insurance?
Unlike horsebox insurance, horse trailer insurance is not a legal requirement in the UK. However, it is highly recommended, especially for expensive trailers.
While towing vehicle insurance may cover third-party liability for the horse trailer, it’s unlikely to cover you for theft, vandalism, fire, and other damage.
Tailored insurance for horse trailers is available and a comprehensive policy can provide coverage against the usual accident fire and theft events, as well as breakdown assistance and replacement hire.
How To Choose The Right Horsebox Insurance For You
You should choose horsebox insurance based on what’s most important to you and the most relevant risks you face.
For example, the number of drivers you can include on the policy may be important. Or, you may feel comfortable accepting a higher excess if it reduces your monthly premium. If you’re transporting horses as a business then you need ‘hire and reward’ usage in the policy
It’s usually wise not to simply opt for the cheapest option. Of course, affordability is important but you also want the best overall package that ticks all the right (horse)boxes!
How Much Does Horsebox Insurance Cost?
The cost of horsebox insurance varies widely depending on factors like:
- Make and model of your horsebox
- The weight and age of the vehicle
- The mileage you cover
- The amount and type of coverage
- The excess amount
Get quick competitive horsebox insurance quotes with SimplyQuote today. The smart comparison tool provides you with many different policy options to choose from.
How Can I Reduce The Cost Of My Horsebox Insurance?
A horsebox insurance policy shouldn’t cost you an arm or leg. Here are a few tips to help you access lower premiums.
Get multiple quotes
Don’t accept the first offer you receive. There are many insurance providers in the market and by comparing quotes online, you can access competitive cover easily and conveniently. Shop around to discover what’s on offer and find the policy and premium that works best for you.
Limited mileage policy
Comprehensive insurance may have no limits on the mileage you travel in your motorised horsebox. If you transport horses infrequently, over short distances, the risk is lower and you should be able to buy a policy that reflects this.
Pay the policy annually
If possible, aim to pay your premium upfront or annually rather than in monthly instalments. There is almost always a discount for paying annually. Be sure to negotiate the best deal with the insurance provider.
Size matters
It’s worth noting that large horseboxes tend to be more expensive to insure, with vehicles over 7.5 tonnes costing significantly more. Older transporters also tend to be more pricey to insure.
What Are The Driver’s Licence Requirements For Horsebox Insurance?
If you’re driving a horsebox for commercial purposes, you need an operator’s licence and a specialised insurance policy that reflects this.
Advanced driving qualifications or special licences may be required to drive heavier horseboxes, so it’s important to check the legal operating requirements.
Most insurance providers allow you to include multiple drivers under your horsebox insurance policy.
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Horsebox And Related Insurance
When considering horsebox cover, check that insurance relating to your horses, your own vehicle, and any trailers you use are adequate.
Pet insurance
In rare cases, a motorised horsebox insurance policy might cover some costs if your horse is injured on the road. However, to properly insure your horse for illness and injury, and take care of vet bills, invest in a pet or specialised equine insurance policy.
Horse trailer insurance
Horse owners transporting their animals in a horse trailer are advised to get trailer insurance. Typically, the trailer isn’t fully covered by the towing vehicle’s insurance.
Car insurance and van insurance
If you transport your horses in a trailer rather than a horsebox, you are legally required to have at least third-party insurance on your towing car or van. Ensure that your vehicle insurance policy allows for towing.
Frequently Asked Questions
Motorised horsebox insurance provides peace of mind when you transport your horse. This specialist insurance covers your horsebox on your travels. Horsebox insurance from a reputable insurance company ensures the transporting vehicle is covered for accidents, damages, breakdowns, fire, or even theft.
Many insurance providers offer policies that cover both personal and commercial use of a horsebox. However, the premiums may vary based on the vehicle’s primary use. If you are using your horsebox to transport horses commercially for financial gain, you are legally required to have an operator’s licence.
Many horsebox insurance policies allow you to transport horses that aren’t your own. For example, you could transport your friend’s animals. If you transport horses as a business, you need a specialised hire and reward policy.
Horsebox insurance typically does not cover the horse itself. To insure your horse, you need a separate horse or pet insurance policy. Be sure that coverage extends to transporting your horse.