Horsebox
Insurance Cover
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!
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.
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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
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Since our founding in 2019, we have helped countless horsebox owners get the protection they need.
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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 is Horsebox Insurance?
Horsebox insurance is a specialist type of vehicle 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.
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.
What does horsebox insurance cover?
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)
How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need. Buy Horsebox Insurance! including protection for accidental damage, theft, breakdown assistance, and third-party liability. Get quotes, customize your policy, and ensure complete protection for your vehicle and horses.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
​We dive right in, comparing shop insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
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.
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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.
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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
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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.
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a horsebox insurance claim?
Call our team on 01323 416706
UK Sure Customer Services
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