Owning a horsebox is essential for many horse owners, whether you’re travelling to shows, visiting the vet, or moving yards. However, as with any vehicle, owning and using a horsebox comes with risks.
Here’s everything you need to know about horsebox insurance from the specialist team at SEIB Insurance Brokers.
Why do you need horsebox insurance?
Standard vehicle insurance isn’t sufficient for horseboxes, as it doesn’t cover the unique risks of carrying live animals. Horsebox insurance is specifically designed to provide peace of mind and can cover:
- Damage to the horsebox caused by accidents, fire, or theft
- Liability claims if your horsebox causes damage to property or injuries to other road users
- Motor legal expenses to help pay for legal costs related to a car accident or motoring offence
- Breakdown cover with horse recovery
Types of horsebox insurance
There are several types of horsebox insurance to choose from, depending on your needs:
- Third-Party Only: The minimum legal requirement. It covers damage or injury to third parties but doesn’t cover your horsebox against accidents, fire or theft.
- Third-Party, Fire, and Theft: Includes the above, plus protection against fire damage or theft of your horsebox.
- Comprehensive Insurance: Offers the highest level of protection, covering damage to your horsebox, accidents, fire, theft, and liability claims. SEIB only offer fully comprehensive insurance, you can get a quote here
- Breakdown Cover: Often available as an add-on, this covers roadside assistance and can include recovery for both your horsebox and horses. SEIB’s breakdown cover, serviced by CallAssist, has a specially trained equine welfare support team that will put a call in to ensure the horses are okay as soon as it has been disclosed that there is a horse onboard. Find out more here
Key features to look out for
When comparing horsebox insurance policies, consider the following:
- Liability insurance: Public liability cover is essential in case your horsebox causes damage or injury to others.
- Breakdown cover: Check for recovery services that cater specifically to horseboxes, including horse transportation and temporary stabling.
- Driver requirements: Some policies may have age restrictions or require specific licenses for larger vehicles.
- Mileage limitations: SEIB policies include unlimited mileage, however not all providers will cover this, so it’s worth checking.
Benefits of Comprehensive Horsebox Insurance
Comprehensive horsebox insurance offers more than just financial protection—it provides peace of mind.
With the right policy, you can:
- Travel confidently, knowing your horsebox is protected
- Minimise stress in the event of a breakdown or accident
- Avoid unexpected costs for repairs and recovery
Get a Quote with SEIB Insurance Brokers today
At SEIB Insurance Brokers, we specialise in horsebox insurance and tailoring policies to meet the unique needs of horse owners. With decades of experience in the equestrian industry, we can help you find the perfect policy for your horsebox, ensuring you’re covered for every eventuality.
Insure your horsebox online here or call us on 01708 850000.
Terms & Conditions Apply. SEIB Insurance Brokers is a trading name of SEIB Insurance Brokers Limited who are authorised and regulated by the Financial Conduct Authority. Registration number: 479477.
