Horsebox Insurance from KBIS

KBIS horsebox insurance can cover all types of horsebox, from 3.5 tonne vehicles up to large HGV’s. You can choose between our most comprehensive horsebox insurance cover or opt for our cheaper vehicle insurance to cover third party, fire and theft.

“Quotes available on request for young drivers, 21 years and under.”

Our dedicated team has over 30 years experience in the horsebox insurance market enabling them to discuss your specific needs and offer the appropriate policy for your circumstances. KBIS insurance policies can cover individuals using their horsebox for Social, Domestic and Pleasure use and/or Business Use including Hire and Reward.

Underwritten by ERS one of the leading motor insurers for more than 60 years, you can be sure that you are getting comprehensive cover at competitive rates with KBIS. We are also able to provide horsebox breakdown insurance as a separate stand-alone policy.

transporter horse insurance
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Features & Documents

Horsebox Insurance – Eligibility

Drivers should hold the relevant licence for the vehicle being insured.

HGV vehicles – we may request that the driver has held a full HGV licence for a minimum number of months depending on their age and experience. You will be advised at point of quotation.

Young Drivers – we are able to cover young drivers, however drivers aged under 21 years must have held a UK driving licence for a minimum of one year.

Third Party, Fire and Theft cover is only available for horeboxes valued up to and including £5,000, above this value we can only provide Fully Comprehensive cover.

Please note if you fall outside of these conditions or have any specific requiremnets we are always happy to approach underwriters for a quote for your circumstances.

Horsebox Insurance – Cover Available

We offer both fully comprehensive insurance, and more limited cover, third party, fire and theft. Our third party, fire and theft policy is restricted to vehicles valued up to and including £5000, however, during the Covid-19 lockdown this restriction has been lifted and cover can be purchased for all vehicles.

The benefits provied under each of these policies can be viewed here- Policy Coverage (Click here to view)

The above policy options are available under the following types of use:

  • Social, Domestic and Pleasure Use if you are transporting your own horse(s) and are not doing so in connection with a business.
  • Business Use if you will be transporting your own horses but are doing so in connection with your business.
  • Hire & Reward if you will be transporting other people’s horses and charging them a fee for doing so.
  • The excess on your policy will range from £100 to £250 depending on the value your vehicle. For windscreen damage (under fully comprehensive policies only) the excess is £75.
  • The cost of your policy will depend upon the level of cover, vehicles value, number of drivers, previous claims and convictions and the type of use.

For clients who are regularly transporting horses as part of a business then we are able to provide additional insurance, if you choose,to cover your legal liability for the injury or accidental death of a horse not belonging to you. This is usually referred to as Custodial Liability (Care, Custody and Control) and is something we can offer under our Liability Insurance. In addition we can also provide specific cover for Horse Transporters.

Horsebox Insurance – Policy Documents

Insurance product Information Document (IPID)

The IPID outlines the significant features, benefits, exclusions and limitations of a KBIS Horsebox Policy. It does not contain the full terms and conditions. Please select the correct document for the coverage you have selected.

Terms and Conditions

The Terms and Conditions outline the full details of cover available under a KBIS Horsebox Insurance Policy.

Terms of Business

The Terms of Business outline the agreement between KBIS and their customers.

Horsebox Insurance – Make A Claim

If you need to make a claim on your policy then you need to contact the underwriters ERS direct on the numbers below:

Horsebox Accident/Loss 0330 123 5991
Horsebox Windscreen 0345 602 3378

In the event of an accident:

  1. Phone the appropriate number above immediately.
  2. Give the Third Party Accident Card (found at the back of your Horsebox Policy booklet) to the other driver making sure you write your contact details on it.
  3. Take photographs of damage to all vehicles and the scene of the accident, if safe to do so.
  4. Note the number of occupants in the other vehicle(s).
  5. Note the number and details of witnesses.

Frequently Asked questions

What cover is available?

There are two different options available for horsebox Insurance:

1.Third Party, Fire and Theft

2. Fully Comprehensive

Third Party Fire and Theft is a cheaper but more limited policy that only covers you for third party damage or loss of the vehicle through fire and/or theft.

Fully comprehensive cover, the most common type of policy, includes cover for third party damage as well as insurance against accidental damage, malicious damage, vandalism and windscreen damage.

At KBIS both policy options cover you for foreign use, i.e. trips abroad.

How many drivers can I have insured on my policy?

Most policies will provide cover for one or two named drivers as standard; this limit can be increased to ‘any driver ‘ but will increase your premium.

Anyone driving the horsebox under the age of 25 years would have to be a specific named driver on the policy.

Are there any age restrictions on the insurance?

Most insurance companies stipulate that a driver must be 21 years or over in order to be covered by the insurance policy.

At KBIS we can provide cover for drivers under the age of 21 depending on the size and value of the vehicle, but they must have held their driving licence for a minimum of one year.

Having a young driver on a policy will increase the premium and you may find that you have an additional excess to pay if a young or inexperienced person was driving at the time of an incident.

Can I travel horses other than my own in my lorry?

As long as you are not doing so for any form of ‘reward’, monetary or otherwise then you should be covered under a horsebox policy for social, domestic and pleasure use. The moment you start to transport other people’s horses in connection with your business or you are making a profit from doing so, then you would need to change your policy.

In this situation there are two types of ‘use’ that you will need to discuss with your insurer. Each insurer’s approach varies but these terms are nearly always referred to as ‘business use’ and ‘hire and reward’.

Business Use will provide cover if you are using the horsebox in connection with your own business. For example if you are a professional rider transporting owners horses to and from shows but aren’t receiving any type of reward for doing so from which you make a profit.

Hire and Reward is when you are viewed to be receiving a profitable reward for transporting other people’s horses i.e. you are charging a specific fee per mile.

Can I get breakdown cover with my insurance?

Breakdown cover is normally offered under a separate policy; at KBIS we offer a very competitive breakdown policy that will provide you with both home and roadside service, recovery service and emergency travel and accommodation. To find out further information on the cover we can provide take a look at our Breakdown Insurance page.

Can I take my lorry abroad?

A KBIS policy will automatically provide the minimum insurance needed by the relevant law to allow you to use your vehicle in any country that is a member of the European Union and any other countries which have made arrangements to meet the insurance conditions of the Commission of the European Union.

Additional cover can be provided to cover other countries and/or provide full policy cover for when you travel abroad but will incur an additional premium.

What do I need to make my insurance company aware of?

When taking out a policy there are some key points that you should make the insurance company aware of. By providing your insurance company with all of the facts you will ensure that you are getting the appropriate cover and it may help to reduce your premium.

  • Average Mileage, you may be able to take out a cheaper limited mileage policy.
  • If you have a tracker fitted to your lorry as this may reduce your premium.
  • Whether the lorry has any living accommodation as this may alter the cover.
  • If you use the horsebox for any other uses other than transporting horses.
  • Any motoring convictions or accidents, non-disclosure may affect any claim.
What do I do in the event of a claim?

It is vital to contact your insurance company in the event of a claim.

If you have a KBIS horsebox policy then you should contact the underwriters, ERS, directly via their 24-hour helpline, the contact numbers can be found on the Horsebox Claim Form page or on our contact page.

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