If you transport your horse whether it is in a horse trailer or a horsebox then you need horse lorry insurance. A horse lorry is also referred to as a horsebox, this is a vehicle specifically designed to transport horses. A horse trailer can be attached to a sturdy vehicle to transport horses around. Whichever you use you can get horse trailer insurance or horsebox insurance.
Whether you have a trailer or a lorry you can get a policy to cover either. Much like car insurance you are covered for fire, theft and accidental damage. There is usually a public liability component to most policies, for horse trailer insurance this is only usually to cover the trailer when it is not being towed. Your normal car insurance should cover the public liability aspect when it is being towed.
There are generally a few caveats you need to be aware of for most types of insurance particularly when getting horse insurance quotes. When your lorry or trailer is not in use it should be properly secured. This means that some sort of security device should be fitted to prevent theft. If your equipment is not adequately secured and you make a claim the insurer may not pay out.
Depending on your particular circumstances you can choose from third party, third party fire and theft or fully comprehensive. If you are getting horse lorry insurance then you can insure another named driver in addition to yourself or if it is a shared lorry or a lorry that may be used by many people you can insure any person over 25 to drive the vehicle.
The cost of a policy is going to vary from person to person so the only real way of knowing is to get yourself a quote. As there are many different uses, particularly for a horsebox such as using it just for personal use or for business purposes then this will obviously affect the cost reflected in your quote.