Horse Trailer Insurance

Protect your Transporter today. Compare quotes from multiple brokers.

  • Multiple quotes for Horse Trailers one to six stalls
  • Any driver over 25 available - Breakdown cover available
  • Boat and Box Trailers & General purpose
  • Flexibility in premium payments
  • Hire and reward towing service
  • Comp​lete one quick and easy form

Horse Trailer Insurance Quotes UK

Your existing auto insurance will provide some cover for towing a trailer, but it will likely be limited to third party and offer no cover for the actual theft or damage to your transporter. Please check your policy for the exact details of any cover provided.  

The value of the transporter can mount up when you add in upgrades such as new tires, or foam-cushioned flooring for example. Add in an air-ride suspension kits and the cost starts to mount up rapidly making it an extremely valuable commodity and you will see the need for taking out a separate horse trailer insurance policy. 

Trailer Types Covered 

So unlike horsebox insurance it is not a legal requirement, but it is a smart move to cover your trailer on a separate policy that is specific to your individual insurance requirements. We can offer you multiple quotes from underwriters that deal exclusively in the livestock transporter insurance sector.

  • General purpose trailers
  • Box trailers
  • Boat trailer
  • Utility & Car Transporter 
  • Gooseneck trailers

The need to properly insure your equine transporter is an essential part of owning and transporting animals. No matter how careful and responsible a driver you are, you can never predict what will happen whilst driving. Reduce your risk by keeping your transporter well maintained and carry out a safety check before every journey. 

  • Because of the additional weight,  braking will take longer as such keeping you distance is paramount to towing safely.
  • Keep your transporter  well maintained and always perform a safety check before driving off.
  • If transporting one horse, load it to the drivers side, if 2 horses then load the heaviest to the drivers side. 

In summary livestock of any kind are valuable items that can be protected with insurance. If you are new to the world of towing livestock, take 10 minutes to read this great post. The post offers valuable tips for both the novice and advanced drivers. 

trailer hitch and ball

  • Making your trailer distinctive with standout colours can lower the risk of theft 
  • If you trailer is stolen inform the police and contact the insurance company immediately
  • Taking  out a separate policy to cover damage and theft to your rig should provide you with more protection than anything that your car policy might provide.

Compare Trailer  Insurance

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Did you know that if your trailer comes unhitched from the truck it may not be insured? As long as a trailer remains hooked to the towing vehicle, most insurance policies will represent your liability. If it unhitches, most insurance policies state that they will not cover the damage or represent you in court. Ask your insurance agent to remove the exclusion by adding an endorsement that will cover your livestock transporter in the event it becomes disconnected from the truck. 

What is the cost of horse trailer insurance?

No definitive answer can be provided as it does depend on many factors not least the size and value of your transporter. On average expect to pay in the region of £100 plus, but this a ballpark figure. Many brokers are specialists in this arena. Use the get quote option to get estimates for your particular box trailer cover requirements, from 25 plus brokers that deal in this niche insurance sector.

Horse Trailer Insurance additional extra options

A typical horse trailer insurance or horsebox insurance policy will offer additional cover options for the following:

  • Roadside assist: This will offer assistance if you breakdown and is important as you may need a special service if you need a towing service.
  • Theft and damage cover: Horse trailers are an expensive item and if add in all the extras and comforts that you have added it all adds up to a pretty penny.  Check the payout is sufficient to cover your actual costs and keep it updated at renewal time
  • Out of pocket expenses: You may consider additional cover for alternative hire insurance if yours is off the road for an extended period of time for repairs.

Three steps to finding the right trailer and the right towing vehicle.

  1. 1
    Horse first, The first step in identifying the correct trailer to purchase is to identify the size, type and the habits of the horse that you intend to haul. Do not make the mistake of spending all you money, only to discover it will not comfortably haul your chosen livestock.

  2. 2
    Trailer is Second : After step one, you can narrow down the trailer types that will be suitable based on the height width and layout. The build quality and materials will also be important at this stage they need to be able to cope with the required usage

  3. 3
    Towing vehicle Last : Only now after you have selected the trailer type that you should start to find the best car for towing a trailer.
Horse Trailer Insurance

Tips to reduce horse trailer insurance 

As you know livestock transporters are expensive items with many designed to your bespoke requirements and don't forget the expensive equipment inside. Below we have compiled some advice on ways to lower the risk of falling victim to theft.

  • Use both hitch and wheel locks to secure your trailer and keep in a secure area.
  • Valuable equipment should never be stored inside especially overnight.
  • Keep a record of the make, model and year of manufacture of your livestock transporter as well as photographs. These can help with a quick recovery should it be stolen.
  • Fit only anti theft devices that are recommended/approved by insurance companies.
  • Take photos as these can be used to track your transporter, maybe consider using a distinctive color to ward of potential thieves.
  • Make your trailer distinctive by painting or markings, this will make it much easier to be spotted and as such will deter theft

If you the owner an Ifor Williams trailer it will be automatically registered on the company's database and the T.E.R National Plant and Equipment Register. You can register on the national database yourself to ensure your transporter serial number can be traced back to you in the event that the it is stolen.  If you add extra security items please insure they are approved by the UK insurance industry and do mention when requesting a policy quote, as such measures should help reduce the costs of your annual or monthly premiums.

Even taking the above precautions you will still run the risk of theft. As such, make sure your horse trailer insurance policy will cover theft and damage and the payout is sufficient to replace your rig without going out of pocket. This is sometimes referred to  new for old.

Levels of horse trailer insurance available

  • Basic third party cover will only cover any damages to the other party so you will be left to handle any expenses incurred, that is if you are at fault. 
  • The next step up is adding fire and theft cover, but still no cover to your transporter or valuable contents if you are held liable. 
  • Fully comprehensive insurance provides the top level of cover, but adding in public liability will provide that  much needed extra level of cover.
  • Public Liability insurance ensures you are covered for any damages or costs that occur to a third party caused by your livestock transporter.

Horse Trailer Insurance and Driving Licence Restrictions

Make sure your drivers licence permits you to tow a trailer with livestock. This government UK web site gives will answer this question by supplying answers based on your driving licence year of issue, check the full regulations  here 

Safety Check

Always carry out a trailer safety check, especially if you only use it occasionally .   

  • Visual workaround checking for any loose components. 
  • Check tyres for correct air pressure and sufficient tread.
  • Make sure you have the correct jack and brace for wheel changing.
  • Ensure windows have screens to prevent injury from flying debris 
  • Check no sharp or loose objects inside the trailer
  • Add wood shavings to improve footing and keep animals relaked during the journey

Help finding a good deal on horse trailer insurance

Having established that the cover provided with your typical car insurance is not sufficient to cover actual costs that you may encounter should an accident occur. It is advisable to take out separate horse trailer insurance to cover any accident whilst in transit or if your transporter gets stolen. Start by comparing costs from multiple brokers that deal exclusively in this niche insurance market.

When you start comparing horse trailer insurance pay special attention to the policy inclusions and exclusions, some may include extras that you find attractive. Do not take out cover for things that you will not need, for example driving in Europe. When searching for any type of insurance it is prudent to compare all the available options. If you are renewing your horse trailer insurance policy then you could use the information that you have gleaned to leverage your current broker for a better deal at renewal time or some free extras.

Compare Horse Trailer Insurance

Protect your Transporter today - Compare quotes from multiple brokers.

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