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What is horsebox insurance and what does it cover?
Horsebox insurance covers you in the event of damage to your horsebox. This may include loss of the horsebox through fire or theft, or an accident while on the road. Different policies provide different levels of cover.
The type of insurance you need depends on how you use your horsebox. If your horsebox is for personal or leisure use, your horsebox can be covered under a ‘Social, Domestic and Pleasure’ policy.
If you make a profit transporting horses, you may need to take out a policy covering ‘Business’ or ‘Hire and Reward’ use.
What horsebox insurance usually covers
If you choose a fully comprehensive policy, your horsebox insurance will usually cover:
- damage to third parties
- loss of your horsebox due to fire or theft
- accidental damage to your horsebox (by you or by others)
- vandalism or malicious damage
- windscreen damage
Third party, fire and theft policies will cover the first two options but, unlike fully comprehensive insurance, do not cover damage you cause to your own horsebox in the event of an accident.
Your insurance may also cover the cost of temporarily hiring another horsebox if yours has gone in for repair, but this varies by insurer.
What horsebox insurance usually doesn’t cover
Horsebox insurance is unlikely to cover any injury to the horses being transported – you would need separate horse insurance for this.
Horsebox insurance may not cover you as standard if your vehicle breaks down while travelling. You can add this cover to some policies, or you may consider taking out separate breakdown cover.
How can I keep the costs of horsebox insurance down?
There are a few steps you can take to help rein in the price of your horsebox insurance:
- Agree a mileage limit with your insurer.
- Limit the number of named drivers on your policy.
- Install security equipment, such as alarms and immobilisers.
The impact these factors have on your cost may vary between providers. Remember, saving money at the expense of full insurance may not be an effective compromise, so choose your plan wisely.
How can I find the best horsebox insurance quotes?
We have teamed up with It’s Horsebox Insurance to show you quotes from several specialist horsebox insurance providers. This might help you find a policy that is right for you and your horse.
What can It's Horsebox offer?
- varied levels of cover
- limited mileage policy discounts
- foreign use cover
- social, domestic & pleasure cover
- business car insurance cover
Fill in the online quote form today to start comparing.
Horsebox Insurance FAQs
Do I need a licence for a horsebox?
You will usually need an operator’s licence for your horsebox if you receive money (including prize money) for transporting horses, or if you use your horsebox for professional reasons.
If your horsebox is for personal (i.e. non-commercial) use only, you do not need an operator’s licence.
Remember to check whether your UK driving licence allows you to drive a horsebox. This will depend on the weight of the horsebox and when you passed your driving test. If your horsebox is over 3,500kg (3.5 tonnes), you might need a C1 licence to drive it. You can find more information on Gov.uk.
Does UK car insurance cover towing a horsebox?
UK car insurance generally covers trailers third party, meaning you will be covered for any damage caused to other people’s vehicles or property by your horse trailer. That said, your car insurance won’t cover damage done to your trailer. To cover this, you would need to take out separate insurance for the trailer.
However, if you are driving a motorised horsebox, you will need separate horsebox insurance as this is a vehicle in its own right. The main choice is between getting third party, fire and theft cover or fully comprehensive insurance for a motorised horsebox.
It’s worth double-checking the information above against your insurance policy to make sure you have appropriate cover. If not, you may be at higher risk by driving uninsured.
How do I insure myself on a friend's horsebox?
As with car insurance, you can have ‘named drivers’ on horsebox insurance policies. This allows other people to be covered under your insurance while driving your horsebox.
A friend would need to add you to their named driver list, or have a policy which allows for any driver, for you to be insured driving their horsebox.
Do I get a discount on my horsebox insurance if I do limited mileage?
Keeping your mileage low may help you pay less for your horsebox insurance. Some insurers may offer discounts on your insurance premium if you stick to an agreed mileage limit.
Am I covered to drive my horsebox abroad?
It is best to speak to your insurance provider to check whether your policy allows you to drive your horsebox abroad. Some insurers cover driving abroad as standard, while others offer cover abroad as an optional add-on to your policy.
If you plan to travel abroad, you may also consider taking out travel insurance.
Can I receive a discount if I am the only one driving?
If you limit the number of people who can drive your horsebox to one or two named drivers, you may be able to get a discount on your insurance premium.
Conversely, adding ‘any driver’ to the policy may lead to an increase in your insurance costs. Check with your insurer for more details.
My horsebox is of high value, can I still be insured?
If your horsebox is of high value, there will be various optional extras that you can consider buying as part of your cover that will ensure that your vehicle is insured to the most appropriate level for your needs.
For example, your insurer may require you to take out fully comprehensive insurance if your horsebox is above a certain price bracket.
Will my insurance be cheaper if I install a security system?
Installing security equipment, such as alarms, clamps and immobilisers, on your horsebox may help to reduce your insurance premium.
Keeping your horsebox secure and parking in a safe place when not in transit can also reduce your risk of theft or damage. Some insurers require you to do this to qualify for cover.
Do I need specialist horsebox insurance cover?
Yes, you do need specialist insurance cover for motorised horseboxes, as these are not covered under your standard UK car insurance.
Specialist horsebox insurance providers exist to make purchasing insurance hassle-free and fitted to your specific requirements.
How do I compare quotes?
It's Horsebox Insurance presents various, relevant policies once the simple quote form has been submitted, taking the hassle out of finding horsebox insurance. You will then have the opportunity to review the policy information before purchasing the policy online.
Use our comparison service today to find the right horsebox insurance for you.
Kristina is a writer at NerdWallet. A recent graduate trading French for finance, she has experience creating content for student newspaper Cherwell and an edtech company. Read more
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