Written by Graham Cutbill-White
Owning and caring for a horse is not only a full-time job but a huge investment. From livery charges to feed costs, looking after a horse is extremely expensive and like all investments, it’s important to do everything you can to protect it.
A part of caring for your animal that can come with huge costs is transporting it. The most important thing should always be making sure the horse is kept safe, secure, and comfortable but you still need to consider how much it’s going to cost you.
Transporting a horse is not a simple operation even for the most experienced owners. When you consider the sheer expense of not only the horse but the horsebox itself, if something goes wrong while on the move it can not only have an emotional impact but a big financial one as well.
If you own a motorised horsebox, you should make sure that you have the right horsebox insurance.
As they’re considered roadworthy vehicles it’s a legal requirement to have insurance for it, but far more than that, horsebox insurance will help financially protect what is an extremely expensive vehicle that could cost thousands to repair or replace.
Just as it’s important to get cheap horsebox insurance for your vehicle, it’s also crucial that you get the right cover for your situation.
While an annual policy is the best choice for year-round transporting, if you not in such a set routine, yearly insurance could be inflexible and big and needless expense.
If you’re only using a motorised horsebox occasionally or want to borrow one for a couple of days or weeks, you could save time and money with cheap horsebox insurance.
Temporary insurance works in much the same way as annual cover but you can choose the duration of your policy, so you don’t pay for cover you don’t want. Policies are available from 1-28 days at a time and comes with comprehensive cover as standard.
It can be the ideal insurance solution for anyone looking for short term horsebox cover.
If you’re borrowing one to take your horse to the vets or to a show, you can get a policy for the duration you need without having to pay for a whole years’ worth of cover or having to become a named driver on the owners existing policy.
This means that should anything happen while using their horsebox, their No Claims Discount is not affected which could save them hundreds of pounds on their future premiums for which we’re sure they’ll be incredibly grateful.
Whatever your short term needs, temporary insurance is quick and easy to get and with instant cover available, your policy can begin the minute you want to. There are no difficult questions and no waiting around, the whole process is simple and straightforward.
If you’ve ever purchased insurance for a horsebox before you’ll know that the weight of the vehicle can have an impact on, not only the price of your policy but what licence you need to drive the vehicle.
Currently in the UK, you can drive a van up to 3.5 tonnes if you have a standard driving licence. If you wish to drive a heavier vehicle between 3.5 and 7.5 tonnes and passed your driving test after 1st January 1997, you may need to take an extra test before you’re able to.
The weight of the horsebox you want to insure also has an impact on who can get cover with Tempcover. Currently, we can offer temporary insurance for horseboxes which weigh up to and including 3.5 tonnes for drivers aged 21-70.
If you require temporary insurance for a larger vehicle (up to 7.5 tonnes – the maximum vehicle weight which can be covered) you must be aged at least 25 and have held a full UK or NI Licence only for a minimum of 5 years.
Further exclusions may apply but we are confident we can offer temporary insurance to a wide range of motorised horsebox drivers.
Cheap horsebox insurance is available for the purposes of social, domestic, and pleasure, including commuting. Some instances of commercial horsebox insurance may be covered but be sure to check the assumptions section when purchasing a policy for confirmation.
For a standard car insurance policy, this would mean you’re covered for activities such as going to the supermarket, picking up your kids, and general everyday driving that’s not related to your business. It would, however, cover you to commute to a single place of work each day.
It’s unlikely that you’ll be using a horsebox to pick the kids up from school, but it would still cover you for journeys such as travelling to shows, events, or travelling to and from stables. Anything that is not for business purposes should be covered but be sure to check your policy wording for specific exclusions.
It’s also important to remember that any injury or damage to the horse itself is not covered and you should have your own equine insurance in place.
This specific temporary insurance does not cover traditional horse trailers which are not considered vehicles themselves and therefore do not require a specific insurance policy.
If you’re using a horse trailer and want cover should anything happen, you get third-party only cover as part of our temporary car insurance scheme.
To find out how much you could save and get the best horsebox insurance, get a quick and easy quote now.