Horsebox Insurance

We are one of the UK’s leading specialist insurance brokers. Get a hassle-free horse box insurance quote in minutes.

Horsebox Insurance – excellent cover and the best value

Horsebox Insurance from Performance Direct. As one of the UK’s leading specialist insurance brokers, we have years of providing tailor made, bespoke policies,including for horseboxes.

At Performance Direct, we understand that owning a horse can be costly, especially when you consider the purchase of horsebox insurance.

The safety of your horse is vital, so we only provide the most reliable and fully featured horsebox insurance policies. And, should you ever need to make a claim, our claims handlers are also on hand 24/7 to help you through the process.

We have access to hundreds of the best policies in the insurance market, meaning that we can help to arrange the best, bespoke horsebox policy, at a competitive price.

Save yourself the time of searching for horsebox insurance and get a quote in minutes with Performance Direct.

We provide insurance services to UK residents only.

Rated as excellent on Trustpilot with over 15,000+ reviews

Benefits of Our Insurance Policies*

Legal expenses

Foreign use cover (up to 90 days)

Personal accident cover

Windscreen cover (fully comprehensive policies only)

Club membership discounts

24/7 claims service

UK based contact centre

*Terms, conditions & exclusions apply.

Why choose Performance Direct?

The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.
The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.
We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year.
Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

Horsebox FAQs

What is horsebox insurance?

Horsebox insurance is cover designed for vehicles built or converted to transport horses safely by road. Insurers usually consider the size of the vehicle, whether it is professionally converted, how often it is used and whether journeys are private or business-related. Policies may include protection for the vehicle itself as well as certain liability risks depending on use. Performance Direct has arranged cover for everything from compact 3.5 tonne models to larger specialist horse transporters.

Does horsebox insurance cover both private and business use?

Horsebox insurance can cover private use, business use or a mixture of both, depending on how the vehicle is used and declared. Insurers often look at whether the horsebox is used for leisure riding, competitions, training or professional transport services. The type of use may influence underwriting terms. Performance Direct frequently helps arrange cover where owners use the same vehicle for both personal riding and organised equestrian activities.

What size horsebox can be insured?

Horsebox insurance is available for a wide range of vehicle sizes, including smaller 3.5 tonne horseboxes and larger HGV-style transport vehicles. Insurers usually consider driver licence requirements, vehicle weight and intended use when assessing eligibility. Some policies are designed specifically for heavier vehicles. Performance Direct has experience arranging cover across a broad spectrum of horsebox sizes, including specialist and higher-capacity models.

Does horsebox insurance cover tack and riding equipment?

Horsebox insurance may include cover for tack and riding equipment carried in the vehicle if these items are declared and valued correctly. Insurers often apply limits depending on the type of equipment and whether items remain stored in the vehicle between journeys. Higher-value saddles or specialist gear may need to be listed separately. Performance Direct understands how valuable equestrian equipment can be and can reflect this when arranging cover.

Can younger drivers be insured to drive a horsebox?

Horsebox insurance may be available for younger drivers, although insurers usually consider age, experience and licence category when assessing risk. Premiums may vary depending on the size of the vehicle and the driver’s history. Some insurers apply minimum age or experience guidelines. Performance Direct often helps find cover where younger riders or newly qualified drivers need to transport horses independently.

Does horsebox insurance include public liability cover?

Horsebox insurance may include public liability cover where injury or damage occurs in connection with the vehicle’s use, for example at events, yards or roadside situations. Insurers may assess how frequently the vehicle is used around other people or animals. Liability cover limits vary between policies. Performance Direct is familiar with arranging cover where horseboxes are regularly used in shared or public environments.

Can horseboxes used for competitions be insured?

Horsebox insurance can cover vehicles used to travel to competitions, shows and training venues, provided this use is disclosed when arranging cover. Insurers may consider journey frequency, distances travelled and whether overnight stays are common. Usage patterns can influence underwriting decisions. Performance Direct regularly arranges cover for horseboxes travelling between yards, events and equestrian venues throughout the UK.

Does horsebox insurance include breakdown cover?

Horsebox insurance may include optional breakdown cover depending on the policy selected. Because horseboxes are often larger vehicles, insurers may consider whether specialist recovery equipment is required in the event of a breakdown. Cover levels can vary significantly. Performance Direct understands the importance of reliable recovery where animals are being transported and can arrange appropriate breakdown options.

Can older horseboxes still be insured?

Older horseboxes can often still be insured, although insurers usually assess overall condition, maintenance standards and current market value. Some insurers may request photographs or inspection details before confirming terms. Acceptance may depend on how well the vehicle has been maintained. Performance Direct has experience arranging cover for older horseboxes that remain safe and roadworthy.

Does horsebox insurance cover converted vehicles?

Horsebox insurance can cover professionally converted vehicles where build quality, safety features and specifications are clearly documented. Insurers may consider who carried out the conversion and whether the structure meets recognised safety standards. Accurate information helps ensure appropriate cover is arranged. Performance Direct is familiar with placing insurance for bespoke and professionally converted horsebox designs.