Compare Horsebox Insurance

Levels of Horsebox Cover

Horsebox insurance is a legal requirement and brokers will have a number of options for you depending entirely on how you use your horsebox. For example, if you use it for work you may require a number of policy features that apply to consistent use. Whereas, individual horse owners are likely to use their horsebox on a less regular basis. Some levels of cover to consider are:

• Fully Comprehensive Horsebox Insurance
  This type of policy is usually inclusive of all features of horsebox trailer insurance and covers you in situations where you are the one at fault. It can cover things like damage done to the trailer by the horse, windscreen damage, and damage caused through vandalism
• Third Party Horsebox Insurance
  This type of policy is usually cheaper than a fully comprehensive policy, however it offers far less cover. For example, if you are in an accident, the costs for the other party will be covered but you will be expected to pay for any replacements and repairs out of your own pocket

Bear in mind that these types of horse lorry insurance do not cover injury to the horse itself, for this you will need to take out a separate equine insurance policy.

Other Features of Horsebox Insurance

There are a few other notable features of horse truck insurance to consider when comparing horsebox insurance quotes. Vehicle size and weight as well as how it is used will all significantly affect your horsebox insurance quote. Other features include:

• Horsebox Insurance for Business Use
  This is for people that use their horse trailer as part of their business, including breeders and professional riders. You must tell your horsebox insurance specialist if you are using your vehicle for work; it may entitle you to a less expensive policy or it may negate certain features, so be sure to mention it
• Horsebox Insurance for Private Use
  This refers to the standard social, domestic and pleasure use such as transporting horses to and from your stable, for group rides with friends or any other private situation whereby you are using your horse for your own pleasure
• Horsebox Insurance for Horse Transporters
  This is applicable to horsebox drivers that transport horses for a monetary fee. Or, it can apply to companies that hire our horseboxes with a driver. Again, it is important to inform your broker of this as it may influence a different type of premium
• Horsebox Insurance Any Driver/Named Driver
  You may wish to add an any driver/named driver capability to your horsebox insurance policy. This is particularly useful for farmers or stable owners who expect all members of staff to be able to utilise the horse trailer at short notice

Reducing Your Horsebox Insurance Quote

Proper maintenance and security will help to bring down the costs of your horsebox insurance. There are a few steps you can take to reduce the risks of theft and vandalism, as well as driving safely to lessen your chances of getting into an accident. Some tips for security and maintenance include:

• Drive safely when towing a horse in a trailer, always drive at a reasonable speed and keep adequate following distances to avoid accidents
• Check the tread and pressure for both the trailer and the towing vehicle for longer journeys
• Always load a single horse or the heaviest of two horses on the driver side of the trailer
• Ensure the horsebox is stored securely under lock and key. You can also set up CCTV both in the horsebox itself and the area around where it is parked