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Horsebox Insurance Guide: Costs & Tips

Owning a horsebox gives you the freedom to haul your horse wherever you want to go. With the ability to transport your horse in the same vehicle as you, horseboxes are convenient and economical.

Since they are a large investment, it is a very good idea to get a good insurance policy for your horsebox. This will give you the peace of mind that you and your horse are safe out on the road.

Horsebox Insurance Overview

Since a horsebox is a motor vehicle and not a trailer, the insurance is different from what you would get for a regular horse trailer. If you own a horsebox you are legally required to get insurance for it.

There are various policies options depending on what type of vehicle you have. It is very important to make sure you get the proper coverage, as the wrong policy will not be honored.

Since horseboxes can vary in size, it is vital to get a policy that will cover your specific vehicle. A good insurance policy will protect damages from collisions, fire and theft.

Horsebox insurance can generally be split into three levels: comprehensive, third party fire and theft and third party. Third party is a legal requirement and the lowest level, as it only pays out to the third party in an accident.

Third party fire and theft covers an accident determined to be your fault, but only pays to the third party. It will also cover the loss of your vehicle from theft or fire.

Comprehensive provides the most coverage and is also the most popular type of plan. It covers damages to your vehicle as well as the other party. Policies do vary, but many can cover damage from accidents, fire, theft, vandalism, weather and your horse.

White Iveco horsebox
Photo by Carl Spencer (Flickr)

How Much Horsebox Insurance Cost?

The cost of horsebox insurance can range widely depending on your vehicle and the policy you choose. Factors such as the model, year and mileage of your vehicle can determine how much you will pay.

In addition, your age, where you plan to go and what things you want to be added to your policy will play a large role in how much you will pay.

If you want to know how much you can expect to pay, request quotes from different insurance companies. This will allow you to find out how much you can expect to pay based on your needs and type of horsebox.

Horsebox Insurance Tips

Choosing the right horsebox insurance can be a stressful task. We have compiled some useful tips to help make the process go smoothly and keep you safe wherever you go.

1. Comprehensive Coverage is Your Best Choice

Though third party and third party fire and theft are both cheaper options, comprehensive coverage is the best route to go. Having maximum coverage is the best option to keep you and your horse safe out on the roads.

With comprehensive coverage, you can rest assured you will be well taken care of if an accident occurs. With protection from collisions, fire and theft, your horsebox will be protected. You can even get your policy adjusted to you to meet your needs.

Though a third party policy will cover damages the other party receives, having protection against damages for your horsebox is also important. You can add additional add ons with a comprehensive policy to meet your needs.

2. You Will Need Additional Coverage if You Travel Abroad

If you plan to go abroad with your horsebox, you will want to make sure you are covered before crossing any international borders. If you don’t have the proper coverage and have an accident in a foreign country, you will have a mess on your hands.

When getting your coverage set, be sure to tell your agent if you plan to do any travelling abroad with your horse. Not all plans will include international coverage, so be sure to make sure to add it to your policy. It will be extra, but it is very important to have if you go to any foreign country.

3. Look Into Adding Protection for Tack and Equipment

Many equestrians normally travel with tack and equipment. Whether for showing or pleasure, tack is normally worth a lot of money.

It is often a good idea to add coverage for any tack and equipment you may have in your horsebox. Whether damage from a collision, fire or theft, having a policy that includes the contents of your horsebox will let you rest assured your valuable equipment will be protected.

Enterprise horsebox sold by Equi-Trek
Enterprise horsebox sold by Equi-Trek

4. Make Sure to Add Roadside Assistance

Unfortunately, breakdowns aren’t uncommon among horseboxes because many are built on older chassis. Having a horse stranded on the side of the road because your vehicle broke down is a situation no horse owner ever wants to find themselves in.

When making your policy with your insurance agent, be sure to ask about including roadside assistance into your plan. This will give you the ability to have a tow truck come out and haul your stranded vehicle under the coverage of your insurance. This will give you the assurance that you and your horse won’t be stuck on the side of the road unsure of what to do.

5. Do Your Research

Before deciding on your plan, research different insurance companies to see which one has the best deal for your needs. It is a good idea to request quotes from various companies to compare what you can get and see how the prices vary.

Once you find a company you want to work with, be sure to talk to your agent to get everything you want in your plan. A good agent will make sure to include everything you need in a plan, as some people need more add ons and some don’t.

Make sure to thoroughly read over your policy and ask your agent any questions you may have about it. Insurance policies can be confusing, so it is important to have a good understanding of your coverage.

FAQs

Who Can Drive My Horsebox?

Most policies have the ability to add additional drivers to your plan. Adding an additional driver will come at an extra cost, but will keep your horsebox protected. Some policies have the ability to add an ‘any driver policy’ which will cover your horsebox if you lend it out.

Are My Horses Covered While Being Transported?

Your horses will not be covered by your horsebox insurance while they are being transported. However, you can get horse insurance to protect them.

Also, you will need to check if your horse insurance covers transporting horses in horseboxes.

Are There Age Restrictions for Insurance?

Most insurance companies insure drivers that are 25 and over for horseboxes. Those younger that can often be added, but it will be at a higher premium.

Will My Windshield Be Protected?

Comprehensive policies will cover repairs or replacement if your horsebox’s windshield is damaged. However, some policies require you to contribute to the cost.

If you’re on a tight budget, we would recommend considering horse trailer rental.

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