Horsebox Insurance

Horsebox fleet insurance is a unique coverage type for owners of at least two, if not more, horseboxes. It’s a service designed to cover the specific needs and requirements for transporting a horse on public roads, just like you would with any other vehicle. 

Replacing even just one horsebox can be very expensive, so it’s important to get comprehensive coverage for your fleet to save money in the worst case scenario. We’re here to take you through what horsebox insurance covers, and the different kinds of specialist insurance you can access.

What is Horsebox Insurance?

Horsebox insurance is a specialised insurance policy type designed specifically to protect horseboxes, primarily those which are transported on public roads. These policies are designed to be comprehensive, accounting for things like breakdown assistance, horse in transit cover, and more.

There are different types of insurance for horseboxes too, which range between social/domestic use, and business fleet insurance for commercial use. 

The price of horsebox fleet insurance varies based on the level of coverage you need, and the number of boxes you’re looking to cover. However, insuring your fleet under one policy is always cheaper than individually insuring horseboxes (check out our blog comparing fleet insurance vs individual insurance policies). 

Special types fleet insurance

Special types fleet insurance is that which covers niche or specialist equipment within your fleet. This could be anything from construction machinery fleets or agricultural equipment, to hire and reward vehicles and in this case, horseboxes.  

Special types insurance is designed to be customisable in order to suit the unique needs of the equipment or vehicles your business uses.

What does Horsebox Insurance cover?

Whilst individual policies can differ, horsebox insurance generally covers against vehicle damage, third party liability, damage by horses, windscreen/window damage, and key and lock replacements (following theft).

It’s very important to note that horsebox insurance generally doesn’t cover injury to the horse itself, as this would need to be covered under a separate horse insurance policy. 

Policies can also include optional or specialist cover such as:

• Breakdown assistance
• Further transportation
• Overnight accommodation (if stranded)
• European breakdown cover
   

Types of cover for horsebox fleets

To decide on the right level of cover for your horsebox fleet, you first need to understand what each type of cover means. The three main types of cover are:

• Third party only – Only covers against third party claims (damage caused by your horsebox to other vehicles or public property). You’d need to pay for damage to your own horsebox yourself. 
• Third party, fire, and theft – Same as above, but protected against damage due to fire and against theft. 
• Fully comprehensive – Helps with the repair/replacement costs of your horsebox due to road accidents, fire, theft, third party claims, and also damage caused by the horse, vandalism and windscreen damage too. 

Each individual plan can be catered to suit the specific needs of your horsebox fleet, so speak to the experts at FleetCover for more information.

Covering your horsebox fleet with specialist insurance

FleetCover specialises in crafting and providing bespoke fleet insurance plans for business of all shapes and sizes. We offer mini fleet insurance, as well as cover for larger fleets, and we’re eager to work with you to protect your horsebox fleet with specialist insurance. 

We know that horseboxes can be expensive to repair or replace, and damage can disrupt your business activities massively. So get in touch with us today to begin creating your ideal plan.