Horsebox Insurance
Get ready to hit the road with your horse in tow! After bringing your new horse home, you need to get the right horsebox insurance for transport. It can seem daunting to find the right cover, but UK Sure is here to make it easy!
Get a quote today and let's get started!
Motorised Horsebox Insurance
Trust
With our great reputation for customised policies, you can trust us to keep your horses safe and sound, whether for work or pleasure. If you use your horsebox for business use, we have specific policies for commercial use, such as transporting horses for payment or competitions.
We have the experience to offer plenty of options to cover you and your horsebox, including unlimited mileage, in-house coverage for horseboxes up to £250,000, and a great breakdown cover! Even if you don`t have any no claims bonus, we can offer competitive rates through our special deals with insurers.
Protecting Horsebox Owners Since 2019
Since our founding in 2019, we have helped countless horsebox owners get the protection they need.
We have relationships with multiple horsebox insurers so we can offer you competitive pricing and customised cover. Let us help you save money and find the right policy for you so you can get on with what matters – enjoying your time with your horse!
What does horsebox insurance cover?
To be eligible for horsebox insurance you must meet certain criteria. You must have a full driving licence and be at least 21 years old. Some policies may also require you to have a minimum amount of driving experience or have completed a horse transportation course.
Horsebox owners must also ensure their vehicle is registered and licensed and meet all the relevant safety and roadworthiness standards. Insurers may also require proof of ownership and the value of the horsebox to get the right cover. Meeting these requirements helps to get not only the right insurance but also safer and more reliable equine transport.
Types of Horsebox Insurance
When it comes to horsebox insurance there are several types of policies to choose from. Comprehensive horsebox insurance offers the highest level of cover including accidental damage, theft, fire, and third-party liability. This type of policy covers you for almost everything. Third-party fire and theft cover covers theft and fire and third-party liability but does not include accidental damage.
If you are worried about the reliability of your vehicle, breakdown cover is a must. In the event of a breakdown, roadside assistance is provided, including towing and repair services, so you and your horses are not left stranded. By understanding the different types of horsebox insurance policies, you can select the one that is the best for you and gives you the most cover.
Overnight accommodation is another useful benefit option that covers the cost of accommodation and food if you are stranded due to a breakdown. As you can tell, there are many horsebox insurance policy features that can mean you can be covered for just about anything.
Choosing the right insurer
Horsebox insurance is a legal requirement in the UK if you drive a motorised horsebox on public roads. If you transport horses as part of your business then legal liability cover is essential to protect against claims for injuries or deaths of horses not owned by the transporter. It covers the horsebox and its contents against:
Third-party
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All amounts you may be legally liable to pay as a result of an accident whilst you are driving or using your vehicle:
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Death or bodily injury (Unlimited)
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Damage to property caused by vehicle (£5m)
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Prosecution defense costs (£2m)
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Additional Legal Services (Included as standard)
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Uninsured loss recovery (£100k)
Third-party fire and theft
As above plus:
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Vehicle loss or damage caused by fire, lightning, self-ignition, explosion, theft or attempted theft (Market value)
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Trailers (unless otherwise declared and accepted) (£100k)
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Personal effects (£250)
Comprehensive
As above plus:
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Accidental damage to the vehicle (Amounts stated are per event unless stated otherwise)
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New vehicle replacement (Market value)
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Windscreen/ glass cover (Unlimited)
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Audio, visual and navigational equipment (£1k)
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Loss of keys/ replacement locks (£1,250)
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Personal accident
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Death (£10k)
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Loss of sight (£10k)
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Loss of limb (£10k)
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Emergency accommodation and travel expenses (£100 per person; £400 any one incident)
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Medical expenses (£500 per person)
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Child car seat (£500 per incident)
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Personal belongings (£500 per vehicle)
Optional Horsebox Breakdown Cover
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National Coverage: Our horsebox breakdown cover covers the whole of the UK. This gives you peace of mind whether your equestrian adventures take you.
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Up to 12.5 Tons GVW: Whether your horsebox is small or large we cover vehicles up to 12.5 tons Gross Vehicle Weight (GVW).
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Specialist Recovery Agents: We work with a nationwide network of specialist recovery agents who understand the needs of our horsebox clients especially when it comes to animal welfare.
Optional Trailer Insurance
This policy covers loss or damage to various types of trailers.
The Road Traffic Act ensures that motor insurance covers third-party liabilities when towing a trailer but it doesn’t protect the trailer itself so you’re left exposed to financial loss.
We know a trailer is not just an accessory it’s a part of your lifestyle or business. Whether used for transporting goods, equipment, or recreational activities it’s important to protect it from the unexpected.
Did you know that thousands of trailers are stolen or damaged every year?
Thieves are on the rise, especially in rural and urban fringe areas, so your trailer could be a target. The Equipment Register (TER) is Europe’s largest database of stolen plant and equipment and reports that 10% of checks undertaken on its database match stolen items. Of the 1.6 million items listed in the TER database, 850,000 are trailers – a massive number that shows how often trailers are targeted.
But it’s not just theft that’s a risk. Accidents, weather damage, fire, and vandalism can also result in costly repairs or a total loss. Trailers are exposed to the elements – road debris to extreme weather – so damage is a common occurrence.
Our specialist Trailer policy offers:
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Protection that is independent of the towing vehicle
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Cover for many types of trailer
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Cover whilst attached and detached
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Cover for factory-fitted accessories
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Replacement locks cover
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Cover for commercial and domestic use
We cover many types of trailers including but not limited to:
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Catering trailer
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Drill
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Flatbed
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Fuel Bowser
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Harvester
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Horse trailer
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Livestock
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Shoot trailers
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Tilt bed
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Tipper
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Trailer with permanently attached plant
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Car transporter (not used for motor trade)
If you use your trailer for your own business, then you need to make sure your policy covers commercial use to protect against liabilities.
Muito bom, fiquei satisfeito!
Carlos Wilker
2024-11-20
Ricardo Ribeiro
2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it
Carlos Farinha
2024-10-30
I highly recomend this insurance dealer. I was completely impressed with their professionalism and customer service. 100%...Exceeding my expectation...
Frequently Asked Questions
Question: Do you need insurance for a horsebox?
Insurance for a motorised horsebox is a legal requirement if you plan to drive it on UK roads, just like with all road vehicles. Repairing or replacing a horsebox can be pricey, so it's worth searching for the most suitable insurance to better protect your horsebox, rather than just opting for the cheapest cover.
Question: Do I need extra insurance to tow a horse trailer?
High-mileage is not a big issue when it comes to horseboxes. Many second-hand ones have covered hundreds of thousands of miles and modern trucks can do around 500,000 miles before needing major work. It is more important to thoroughly check the chassis of the vehicle.
Question: What is considered to be high mileage for a horsebox?
While fleet insurance can be highly beneficial for most businesses, there might be times when it's better to stick with a single vehicle policy. Usually the main factor in deciding this is the size of the fleet you want to insure.
Question: Do you need road tax for a horsebox?
Yes. Anything under 3.5 tonnes is classed as light goods, while vehicles over 3.5 tonnes will need to be covered by HGV tax.
Question: Does a horsebox need an MOT?
Yes, horseboxes, like other vehicles, require an annual MOT test if they have a gross weight exceeding 3,500 kilograms (3.5 tonnes).
Question: Do I need to tell my insurance company if I tow a trailer?
It's best to contact them and let them know you plan on using your car for towing. Then you can be sure that your policy covers it. Most insurers cover the cost if your car is damaged when you're towing a caravan or trailer. But the caravan or trailer itself isn't covered on a comprehensive car insurance policy.
Question: Can anyone tow a horsebox trailer?
You can legally tow a horsebox trailer if you have a standard UK licence, however the rules on what you can tow depend on when you passed your driving test. As of December 2021, the rules have changed to expand the allowances for those who passed their test after 01/01/1997.
Question: Does normal car insurance cover towing a trailer?
Your car insurance policy will typically only cover a towed trailer for third-party damage. This means if your trailer damages another vehicle or property, your insurance could cover the other person's costs.
Question: Is horse insurance worth it?
are a few different types of horse insurance that cover you for different situations, so it's a good idea to do your research and find out what kind of policy is right for you.
Question: Why are horseboxes so expensive?
Some of the more expensive horseboxes for sale are built onto a brand-new chassis, this costs a lot more money but means that when the horseboxes get older they are still very low on mileage as an average horsebox only tends to do around 4,000 miles per year.
Question: Can I drive a 3.5 tonne horsebox?
Yes, with a standard Category B car license (passed after January 1997), you can drive a 3.5-tonne horsebox, but if you passed your test before that date, you might be able to drive up to 7.5 tonnes.
Question: What is the speed limit on a horsebox?
On a single carriageway maximum speed is 50mph. On dual carriageways or motorways the max speed is 60mph.
Question: Do you have to insure a horsebox?
Insurance for a motorised horsebox is a legal requirement if you plan to drive it on UK roads, just like with all road vehicles. Repairing or replacing a horsebox can be pricey, so it's worth searching for the most suitable insurance to better protect your horsebox, rather than just opting for the cheapest cover.
Question: Do you need a licence for a horsebox?
Yes, you need a specific driving license to drive a horsebox, depending on its weight and whether you're towing a trailer. A standard car license (Category B) is sufficient for smaller horseboxes under 3.5 tonnes, while larger ones require a C1 or C license.
Do you have a question about horsebox insurance? Submit your question here
How our customers rate us
Muito bom, fiquei satisfeito!
Carlos Wilker
2024-11-20
Ricardo Ribeiro
2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it
Carlos Farinha
2024-10-30
I highly recomend this insurance dealer. I was completely impressed with their professionalism and customer service. 100%...Exceeding my expectation...
UK Sure Customer Services
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