Horsebox Insurance

As equine specialists, we’ll search our panel of insurance providers for a horsebox insurance policy fit for you and your horses.

  • A range of policies from basic to fully comprehensive - including limited mileage discounts
  • Factory fitted accessories for horseboxes and conversions from lorries including living quarters can be covered
  • European cover available

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Give us a call today to talk about your horsebox insurance options

0153 648 6060
0153 648 6060

Weekdays 9am - 5pm
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What does horsebox insurance cover?

Market value replacement for your horsebox

Our products offer true market value for your horsebox and don’t assume that it depreciates at a set rate each year. This means that should you lose your box, or have it stolen, our insurers will work with you to calculate the actual market value of your horsebox at the time of loss.

Limited mileage discounts

If you use your horsebox rarely and only for short distances, it's unfair to have to pay the same fees for your horsebox as someone who drives great distances with theirs. We offer discounts for customers with annual mileages of under 10,000 miles.

Cover for young drivers

Many customers come to us because they have been unable to find cover for an under 25 driver. At Towergate, we offer policies which will insure fully licensed drivers of 17+ years, both in their name and as named drivers on someone else’s horsebox insurance policy.

Cover for theft and malicious damage

We can provide cover for theft and malicious damage for horseboxes of all sizes and values. To reduce the risk of theft, we do encourage customers to take security precautions such as fitting immobilisers, and regular safety checks. Please be aware that some insurers require security arrangements to be in place in order to validate cover.

Horsebox Insurance Claims

Though your horsebox insurance claim will be managed and settled by your insurer, our friendly equine team are dedicated to helping you keep your claim moving forward. Simply call using the number below and we'll advise you of the next steps in the process. We'll continue to guide you through as and when you need us thereafter.

01536 486060

Need to make a claim?

If you are involved in an accident, regardless of fault, or have to report an incident that may lead to a claim against your insurance policy, call:

0344 892 1798

Horsebox Insurance Articles & Guides

Horse-related articles and guides:

Horsebox Insurance FAQs

If I make additions to my horsebox, do I need to tell you?

Additions to your horsebox will affects its value; therefore you need to tell us if you make any upgrades or changes to the set up of the original box.

Are my horses covered while in transit?

Horsebox insurance does not cover horses while in transit. However, this cover is usually included with your horse insurance. If you are in any doubt, please check with your horse insurance provider.

Will be horsebox insurance cover me for driving other cars too?

Your horsebox cover will most likely not insure you for driving other vehicles. You will need your own separate standard car insurance to cover you behind the wheel of other vehicles.

Can I get a replacement horsebox if I’m involved in an accident?

Horsebox insurance does not entitle you to a replacement horsebox should you be involved in an accident. However, our legal cover add-on may enable you to pursue a claim for the cost to hire a vehicle.

Can I protect my no-claims bonus?

Yes, we can offer a no claim bonus protection policy.

Can I take out a temporary/rolling month policy for horsebox insurance?

Our horsebox policies tend to be 12-month policies. If you choose to cancel mid term, you will still be required to pay off the remaining cost of your premium.

Is my windscreen covered as part of your horsebox insurance policy?

Your windscreen will be covered as part of your horsebox cover, but only on a ‘fully comp’ policy. Excesses may apply, dependent on insurer terms.

Will there be an excess if I need to claim on my horsebox insurance policy?

Yes. The standard excess is £100 for accidental damage and for fire and theft. However, these could change depending on your requirements. Your excesses will also be explained to you at the point of quotation so if you have any questions please do ask. Please ensure that you read your policy summary and schedule.

Will my personal effects be covered as part of my horsebox insurance?

Your personal effects will not be covered on this policy. Please speak to an adviser for information on what cover can be provided for your personal effects.

What are 'personal effects'?

Your personal effects are your property that will be kept inside your horsebox. For example, your horse tack.

Can I pay for my horsebox insurance in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Regulatory information:

Four Counties Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England No. 4043759. Registered Address Towergate House, Eclipse Park, Sittingbourne Road, Maidstone Kent ME14 3EN. Four Counties Insurance Brokers Limited is part of the Towergate Group of Companies.

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