Motorised Horsebox Insurance Quotes

Prices vary depending on the size of the horsebox, driver age, mileage, storage location, and whether it’s used privately or commercially. Smaller 3.5‑tonne horseboxes may start from a few hundred pounds per year, while larger 7.5‑tonne or commercial horseboxes can cost significantly more.

Motorised horsebox insurance covers a self‑propelled vehicle, while trailer horsebox insurance covers a towed horse trailer. Trailer cover is usually cheaper, but it must be added to a towing vehicle’s policy.

Not automatically. Horses are usually covered under a separate equine insurance policy. Some insurers offer optional horse‑in‑transit cover for injury during transport.

Yes, but you must declare this. Commercial use – such as transporting horses for clients – requires specialist cover and may increase premiums.

Standard breakdown cover may not include horse recovery. Many insurers offer specialist equine rescue services that transport both the horsebox and the horses safely.

Insurers consider:

• Vehicle weight and value

• Driver age and experience

• Number of horses transported

• Mileage and journey frequency

• Storage and security

• Private vs commercial use

Yes, but premiums are higher. Some insurers require drivers under 25 to have additional experience or training.

Yes, but you must declare your typical travel pattern. Some insurers offer extended cover for events, competitions, and long‑distance transport.

Yes, but insurers may request photographs, build details, and proof of professional workmanship to ensure safety and compliance.

Not always. Tack, saddles, and equipment often require optional tack insurance or contents cover. High‑value tack may need separate policies.

Yes. Multi‑vehicle or fleet‑style policies are available for equestrian businesses, riding schools, and transport companies.

Some policies include accidental damage caused by horses inside the horsebox, while others require an add‑on. It’s important to check the wording.

Yes. Larger horseboxes require HGV‑style cover due to their size and weight. Drivers may also need the correct licence category.

Many insurers offer EU cover for competitions, training, or relocation trips. You may need to request a Green Card depending on the destination.

You’ll typically need:

• Vehicle details

• Driver information

• Claims history

• Usage type (private or commercial)

• Storage location

• Number of horses transported

Yes. Temporary cover is available for short‑term needs such as competitions, transport days, or borrowing a horsebox.

Comprehensive policies usually include fire, theft, vandalism, and accidental damage. Third‑party policies do not.

Yes. Most insurers offer monthly instalments through finance agreements.

You can lower premiums by improving security, storing the horsebox in a locked yard, limiting mileage, maintaining a clean driving record, and choosing a smaller or lower‑value vehicle.

BHS – The British Horse Society – was founded in 1947, and we have grown over the past 70 years to become the largest and most influential equestrian charity in the UK with over 108,000 members. We aim to protect and promote the interests of all horses and those who care about them, including the 3.5 million people in the UK who ride or who drive a horse-drawn carriage

BEF – British Equestrian Federation – The British Equestrian Federation (BEF) is the National Governing Body for horse sports in the UK