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Horsebox Insurance

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs

Owning a horse is a serious investment. Horses are very valuable animals, particularly if they are used for racing or for breeding. They are also expensive to keep, as you have to pay for stables, food, equipment, vets bills, accessories and a horsebox to transport them in.

Horseboxes are not cheap; they can easily run up to the £100,000 mark. But this is a small price to pay to know that your horse is travelling in maximum comfort and safety, especially when on the roads where accidents and collisions are all too common.

Horsebox insurance is there to protect you and your horsebox.

Cover is available for a wide range of different horseboxes, from 3.5 tonne vehicles all the way up to HGVs.

It is important to note that horsebox insurance is only insurance for the horsebox itself. Your horse will not be covered, but will require its own dedicated insurance policy. Check whether or not your horse insurance policy extends to cover your horse whilst in transit.

Levels of cover

As with any type of vehicle insurance, there are 3 levels of cover available, in ascending order of price:

  • Third party only – covers any damage you cause to the property of a third party or any injuries they incur
  • Third party, fire and theft – the above, with the addition of damage caused by fire or theft
  • Fully comprehensive – covers damage to your own vehicle and covers you in situations where you are the one at fault.

Fully comprehensive might be the most expensive level, but it could end up saving you money in the long run. Also be sure that if you do have third party only, you are not leaving yourself underinsured.

Policy features

Although is varies from insurer to insurer, below is a list of the most common features of a horsebox insurance policy.

  • Market Value Replacement – many policies will have a set annual rate of depreciation, but it is better to find one which reflects the true market value of your horsebox. That way, if your horsebox does get stolen, you will get a fairer settlement price should you have to make a claim.
  • Limited mileage discounts – the amount you travel with your horsebox will affect the price of your premium. It makes sense, as the lower the mileage therefore the less time spent on the roads and so there is a lower chance of an accident occurring. Some insurers offer discounts for customers with annual mileage below 1500, 3000, 5000, 8000 and 10000.
  • Legal expenses – in case of a compensation claim made against you, your legal expenses will be covered. This is a sensible addition to your policy, as legal expenses can easily run up into the thousands.
  • Theft and malicious damage
  • Social, domestic and pleasure use
  • Business use, including for hire and reward
  • Cover available for young drivers
  • Mirrored no claims bonus available

Horsebox breakdown cover is also available from some insurers.

If your horsebox is valued at over £100,000 then you may need to get a specialist quote.

Get in touch with our team today to find which of our partners has the right horsebox insurance policy for you!

Why Use Quotesearcher

  • Only deal with UK leading insurers
  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs