Horsebox insurance from 3.5 tonnes to HGV
Whether the box does a few local shows a year or earns its living transporting other people's horses, we arrange cover that matches the vehicle, the use and the living quarters, from insurers who know one end of a horse from the other.
- 3.5-tonne horseboxes to large HGVs
- Personal, business, equine and hire & reward use
- Living accommodation cover for boxes with quarters
- Comprehensive, TPFT and third-party only
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Horsebox cover at a glance
What you get
- Comprehensive, third-party fire & theft, or third-party only
- Theft, accidental damage, fire and third-party liability
- Personal, business, equine and hire & reward use
- 3.5-tonne horseboxes through to large HGVs
- Living accommodation cover for boxes with quarters
- Low mileage discounts, tack and saddlery cover, breakdown cover available
What's not covered
- Injury to horses during transport: that needs separate equine cover
- Wear and tear or mechanical breakdown
- Modifications not declared on the policy
- Racing or competitive driving events
- Drivers without the appropriate licence for the vehicle weight
This policy protects the horsebox, not the horses. If a horse is injured in transit, that's a matter for separate equine insurance, worth knowing before you assume you're covered.
The box is covered. The horses are not.
The most important thing to understand about horsebox insurance is what it actually insures: the vehicle. Theft, accidental damage, fire and third-party liability all sit on this policy. Injury to the horses being carried does not; that's the job of separate equine insurance, and mixing the two up is an expensive mistake to discover at the roadside.
What we can add around the vehicle is worth having, though. Tack and saddlery cover protects the kit that travels with the horses, and if your box has built-in living quarters, living accommodation cover protects the fixtures, fittings and contents of the living area, the part of a show weekend that standard vehicle cover ignores.
Match the policy to how the box is used
A 3.5-tonne box doing a handful of local shows is a different risk from an HGV transporting clients' horses every week, and the policy has to say so. We arrange cover across the full range: personal use, business use, equine business use, and hire and reward, the cover you legally need when you're paid to transport other people's horses. Both self-drive and horsebox-with-driver operations are covered.
Two practical points to check before you quote. First, licences: whoever drives needs the appropriate licence for the vehicle's weight, and a claim can fail if they don't. Second, mileage: if the box only comes out in the season, tell us your realistic annual mileage; low mileage can earn a genuine discount.
One box or a yard full: talk to a person
Horseboxes don't fit comparison-site drop-downs: the weight classes, the living quarters, the hire-and-reward question and the seasonal use all want explaining to a human. Vehicle Cover is an FCA-regulated broker working with specialist equine and agricultural vehicle insurers who understand horsebox ownership, from the family box that does local shows to professional hire fleets.
Breakdown cover can be added too, which matters more with live cargo than with any other vehicle we insure. Get a quote using the form, or call 01323 416706 and describe the setup.
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat does horsebox insurance cover?
The vehicle, your horsebox or horse trailer, against theft, accidental damage, fire and third-party liability. It does not cover injury to the horses being transported; that needs separate equine insurance. Call 01323 416706 and we'll explain where the line sits.
What types of horseboxes do you insure?
Everything from 3.5-tonne horseboxes to large HGVs, including boxes with living accommodation. Personal use, business use, equine use and hire and reward are all covered, self-drive or with a driver.
Are the living quarters covered?
Yes, with living accommodation cover, an option that protects the fixtures, fittings and contents of the living area in boxes with built-in quarters. Tell us the box has living quarters when you quote and we'll include it.
Do I need special cover to transport other people's horses?
Yes: hire and reward cover, which applies whenever you're paid to transport horses that aren't your own. It's essential for professional horsebox hire businesses, and our policies include it. Without it, a paid job isn't insured.
Can I get a discount if the box does low mileage?
Yes. If your horsebox does limited annual mileage, seasonal show use for instance, you may qualify for a low mileage discount. Give us a realistic mileage figure when you get your quote.
Is breakdown cover available?
Yes, breakdown cover can be added to your horsebox policy for roadside assistance and recovery, worth serious thought when there are horses on board. Call 01323 416706 to add it to your quote.
Get the horsebox properly covered
Two minutes on the form, a callback at your chosen time, and cover that matches the box, the use and the quarters.