Horsebox Insurance

From basic to comprehensive policies, we offer flexible equine insurance for horseboxes (including factory fitted accessories and conversions). Cover for theft, damage, and replacement at market value, as well as EU, young driver, and payment options.

01536 486 060

Weekdays 9am - 5pm

About Horsebox Insurance

Horse

Horsebox insurance options

A range of policies - basic to fully comprehensive (plus limited mileage discounts)

Car

Drive (almost) anywhere

European cover option available on your horsebox insurance policy

Trade

Inclusive horsebox insurance

Covers factory fitted accessories and conversions, including living quarters

Direct Debit

Pay by Direct Debit

Split your horsebox insurance payments into equal monthly instalments.

Features of Horsebox Insurance

Standard cover

Market value replacement for your horsebox

Our horsebox insurance products offer true market value 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 on your horsebox insurance policy for customers with annual mileages of under 10,000 miles.

Horsebox insurance 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 encourage customers to take security precautions, such as fitting immobilisers, and regular safety checks. Please note that some insurers require security arrangements to validate horsebox insurance c

Horsebox Insurance FAQs

Question

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

Answer

Additions to your horsebox will affect its value. Therefore, you need to tell us if you make any upgrades or changes to the set-up of the original box.

Question

Are my horses covered while in transit?

Answer

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.

Question

Will horsebox insurance cover me for driving other vehicles too?

Answer

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.

Question

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

Answer

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.

Question

Can I protect my no-claims bonus?

Answer

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

Question

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

Answer

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.

Question

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

Answer

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

Question

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

Answer

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.

Question

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

Answer

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.

Question

What are 'personal effects'?

Answer

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

Question

Can I pay for my horsebox insurance in instalments?

Answer

If you would prefer to spread the cost of your horsebox insurance 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.

Question

Where can I find full details of my policy?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01536 486060 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim