Horsebox Insurance

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Horsebox Insurance — Cover for Personal, Business & Hire Use

Horsebox insurance covers your horsebox or horse trailer against theft, accidental damage, fire, and third-party liability. Whether you use your horsebox for personal transport to events, professional equine business, or hire and reward, you need a specialist policy that covers the unique risks of transporting horses and livestock.

At Vehicle Cover, our horsebox insurance caters to all types — from 3.5-tonne horseboxes to large HGVs. Our policies cover personal use, business use, equine use, and hire and reward. Options include breakdown cover, low mileage discounts, living accommodation cover for horseboxes with living quarters, and tack and saddlery cover. We cover both self-drive and horsebox-with-driver operations.

Whether you transport horses to local shows or operate a professional horsebox hire business, Vehicle Cover will find competitive cover.

Get a quote online or call us on 01323 416706.

Why Our Horsebox Insurance

1. Comprehensive, TPFT, or third-party only cover

2. Personal, business, equine, and hire use covered

3. 3.5-tonne horseboxes to large HGVs

4. Living accommodation cover for horseboxes with quarters

5. Low mileage discounts available

6. Breakdown cover available

What's NOT Covered

1. Injury to horses during transport (separate equine cover)

2. Wear and tear or mechanical breakdown

3. Modifications not declared on the policy

4. Use for racing or competitive driving events

5. Drivers without appropriate licence for the vehicle weight

Key Features of Our Horsebox Insurance

Your horsebox is essential for transporting horses safely. Vehicle Cover provides specialist insurance covering the unique risks of horsebox ownership — from road travel to living accommodation.

All Sizes & Uses

From 3.5-tonne horseboxes to large HGVs. Personal transport, professional equine business, and hire and reward — all covered.

Living Accommodation Cover

Horseboxes with built-in living quarters can be covered for the fixtures, fittings, and contents of the accommodation area.

Vehicle Cover works with specialist equine and agricultural vehicle insurers who understand horsebox ownership. Whether you attend local shows or compete nationally, our policies cover the way you use your horsebox.

Personal, business, and hire and reward

Low mileage discounts

Tack and saddlery cover available

Breakdown cover as optional add-on

● DETAILS

Additional Horsebox Insurance Details

More About Horsebox Insurance

Are you looking for affordable horsebox insurance?

Protect your horsebox or horse trailer with options that may include breakdown cover and discounts for low mileage through UK Sure!

Our horsebox insurance caters to all kinds of horseboxes, from 3.5 tonne to large HGVs.

We focus on delivering extensive cover tailored for horse owners. Our knowledgeable team is aware of the specific requirements that horsebox owners have. Get a quote today!

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 cover 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.

Cover for personal, business, equine or hire & reward use

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!

Horsebox insurance is a specialist type of insurance for vehicles transporting horses. Horse lorry insurance is also available for those who use larger vehicles to transport horses. This type of insurance is essential to protect your investment and your horses in transit.

To be eligible for horsebox insurance, you must meet specific criteria. You must have a full driving licence and be at least 21. 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, licenced, and meets 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 get the right insurance and safer and more reliable equine transport.

Regarding 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, fire, and third-party liability but does not include accidental damage.

If you are worried about the reliability of your vehicle, a breakdown cover is a must. In the event of a breakdown, roadside assistance, including towing and repair services, is provided so you and your horses are not stranded. By understanding the different types of horsebox insurance policies, you canselect the one that is the best for you and gives you the most cover.

Overnight accommodation is another practical benefit option that covers the cost of accommodation and food if you are stranded due to a breakdown. As you can tell, many horsebox insurance policy features can mean you can be covered for just about anything.

Horsebox insurance is legally required in the UK if you drive a motorised horsebox on public roads. If you transport horses as part of your business, 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 contentsagainst:

All amounts you may be legally liable to pay as a result of an accident whilst you are driving or using your vehicle:

Death or bodily injury (Unlimited)
Damage to property caused by vehicle (£5m)
Prosecution defence costs (£2m)
Additional Legal Services (Included as standard)
Uninsured loss recovery (£100k)

Third-party fire and theft

Vehicle loss or damage caused by fire, lightning, self-ignition, explosion, theft, or attempted theft (Market value)

Trailers (unless otherwise declared and accepted) (£100k)

Personal effects (£250)

Accidental damage to the vehicle (Amounts stated are per event unless stated otherwise)
New vehicle replacement (Market value)
Windscreen/ glass cover (Unlimited)
Audio, visual, and navigational equipment (£1k)
Loss of keys/ replacement locks (£1,250)
Emergency accommodation and travel expenses (£100 per person; £400 any one incident)
Medical expenses (£500 per person)
Child car seat (£500 per incident)

Personal belongings (£500 per vehicle)

National cover:Our horsebox breakdown cover covers the whole of the UK. This gives you peace of mind, whether your equestrian adventures take you.

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).

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.

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. Protecting it from the unexpected is essential for transporting goods, equipment, or recreational activities.

Did you know that thousands of trailers are stolen or damaged every year?

Thieves are rising, 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 theft is not the only 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 and extreme weather—so damage is a common occurrence.

Our specialist Trailer policy offers:
Protection that is independent of the towing vehicle
Cover for many types of trailers
Cover whilst attached and detached
Cover for factory-fitted accessories
Replacement locks cover
Cover for commercial and domestic use
We cover many types of trailers, including but not limited to:
Trailer with permanently attached plant

Car transporter (not used for motor trade)

If you use your trailer for your business, you need to ensure your policy covers commercial use to protect against liabilities.

cover for horseboxes up to £250,000
Great Breakdown Cover
Have a full Driving Licence
Be at least 21 years of age

● FAQS

Frequently asked questions

1. What is horsebox insurance?

Horsebox insurance covers your horsebox or horse trailer against theft, damage, fire, and liability. It protects the vehicle itself — separate equine insurance covers the horses. Call 01323 416706 for a quote.

2. What types of horseboxes do you insure?

We insure all types from 3.5-tonne horseboxes to large HGVs, including horseboxes with living accommodation. Personal, business, equine, and hire and reward use are all covered.

3. Does horsebox insurance cover the living quarters?

Yes. If your horsebox has built-in living accommodation, we offer living accommodation cover to protect the fixtures, fittings, and contents of the living area.

4. Can I get a low mileage discount?

Yes. If your horsebox does limited annual mileage, you may qualify for a low mileage discount. Tell us your expected mileage when getting a quote.

5. Does it cover hire and reward use?

Yes. Our horsebox policies cover hire and reward use — where you transport other people's horses for payment. This is essential cover for professional horsebox hire businesses.

6. Is breakdown cover available?

Yes. Breakdown cover can be added to your horsebox policy to provide roadside assistance and recovery if your horsebox breaks down. Call 01323 416706 to add it.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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).

12. 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.

13. 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.

14. 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.

15. Is horse insurance worth it?

There 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 which kind of policy is right for you.

16. 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.