Horsebox Policies from Tollgate Private Clients

Like car insurance, there are two principal types of horse box insurance; fully comprehensive and third party, fire and theft. We also offer options depending on if you use your horsebox for social, domestic and pleasure or for business purposes.

Certain insurers may offer a reduction in your insurance premium if you only drive a limited mileage. As is true of any information you provide, it’s important to make sure you estimated annual mileage as accurately as possible.

Driving your horsebox abroad doesn’t have to cost more. Foreign travel is an optional add-on to most horsebox insurance policies. It’s a point you should check with us when you’re getting you quote.

Quite possibly. Reducing the number of drivers on your horsebox insurance policy may result in a lower premium. By limiting the number of named drivers, many insurance companies are able to offer discounts and lower the cost of your horsebox insurance.

Unfortunately, cover for your animal/s when in transit is excluded from all horsebox insurance policies. You must seek additional insurance to cover your horse elsewhere.

Yes. Depending on the weight of your horsebox, you will need a specific category requirement on your driver’s licence. If, for example, your horsebox weighs 3.5-tonnes, you will need a Category C1 licence – covering you to drive vehicles between 3.5 and 7.5-tonnes. You can find out more about all the different licence categories on the Gov.uk website.

Most Insurance underwriters are happy to provide quotes regardless of the weight or height of your horsebox. However, this may be subject to underwriting criteria so you should, as always, check with us and with your policy wording.

Most insurance underwriters will offer quotes for all horseboxes. There are optional extras available to ensure that your vehicle is insured with a level of cover that’s suitable for your vehicle.

If you’re using the horsebox for its correct stated use, for instance for ‘social, domestic and pleasure’ purposes, then your horsebox will be covered as normal. However, this does depend on the underwriting criteria, so speak to the experts at Tollgate Private Clients and always check your insurance documents.

All comprehensive horsebox policies include windscreen protection which covers the repair or replacement costs of a broken windscreen. There may, however, be a small excess to pay depending on your policy.