As horsebox insurance providers, we understand what an important part of your life your horse is. That’s why making sure your horsebox is safe to use and has the right insurance is essential, so that you can travel on the road stress-free.
If you are looking to take a motorised horsebox on to the road it’s vital that you insure for at least the minimum level of cover required by law.
Horsebox insurance works the same way as any other motorised vehicle used on the road and you’ll have the following three levels of insurance to choose from depending on your needs.
Comprehensive – offers the widest cover, including damage to your own vehicle and cover for a range of causes such as accident, fire and theft and third party liability.
Third party fire and theft – will pay out if you have caused an accident and damaged a vehicle or property, or injured other drivers, passengers or pedestrians. It will also protect you from any loss or damage caused by fire or theft.
Third party only - the minimum level of insurance required by law for drivers in the UK covering; liability to third parties including injury to passengers and damage to property. This type of cover will not protect your vehicle or provide any protection from fire or theft.
If you passed your test before 1st January 1997, your driving entitlement will include:
If you passed your test after 1st January 1997, you will have the following entitlements:
If you have passed your test after 1st January 1997, you must now take further tests to be entitled to drive a horsebox weighing greater than 3.5 tonnes or a vehicle trailer combination weighing more than 3.5 tonnes.
Depending on your vehicle or circumstances, you may be required to hold an appropriate operator’s licence, especially if you will be using your vehicle for hire and reward.
Ensuring that your horsebox is safe and secure is important not only to protect your horse, but also keep other road users safe. If your horse box weighs more than 3.5 tonnes it should be tested annually by the DVSA. As horseboxes are usually only used occasionally the DVSA recommend that checks are carried out before every journey.
Here are some of the things to be looking out for:
The floor of your horsebox has to bear a lot of weight, making sure that it’s in a good condition is vital for your horse’s safety and welfare whilst on the road.
A good way for checking for rot is to stab a sharp knife into the floor. If it goes in easily the floor could be rotting and needs to be looked at by a professional. While you’re checking for rot it’s also worth giving the floor a once over, looking for any holes or cracks or discolouration.
Checks of your wheels and tyres for wear-and-tear should also be taken out on a regular basis. Making sure they’re in good working order is vital in helping prevent any accidents. The tyres should have a tread of at least 1.6mm and be at the correct pressure.
The last thing that you want to happen is to arrive at your destination and find that your horse has been injured in transit. Checking for sharp edges inside your horsebox and ensuring that there’s ample wall padding can help to prevent this.
The loading and unloading is a crucial stage of travelling with your horse and some of the worst accident s can happen at this time. That is why it is important to teach your horse how to safely get in and out of the horsebox.
Take a look at this video for useful techniques to help you teach your horse to load and unload safely:
Now you know all about insurance for your horsebox and some safety tips so that you can travel on the road stress-free.
If you’re looking for insurance for your horsebox why not get a quote online or call us on 0800 023 7197.