Horse Transporter Insurance

Protect your equine passengers and give their owners confidence in your service with horse transportation insurance, and care, custody and control (CCC) cover.

The Worst Case, Yet Frequent, Scenario

It’s your job as a horse transporter to provide safe, secure, comfortable and stress free transportation for your customers’ animals.At Shearwater, we aim to make these journeys a whole lot easier for you with horse transporter insurance.

  • Public liability
  • Employers’ liability
  • Comprehensive horsebox cover
  • Hire & reward use
  • Care custody and control
  • Breakdown
  • Legal expenses
  • European cover available

You probably keep your horsebox for hire suitably in check for each and every journey before you set off but unfortunately, like any vehicle, it can still breakdown. Problems can and do commonly arise when horses are being moved from one horsebox to another. If a horse escapes while you are on the side of the road and causes an accident, you will face a number of financial consequences, including claims from other drivers and the owner, if their horse is injured or killed.

Horse transporter insurance works in a number of ways to give your business a unique form of protection. 


The Vehicle & The Horses

Your horsebox will need to be covered for hire and reward use. This will give you the legal cover you need to be on the road so you don’t incur the costs racked up after causing an accident while on the road. This policy can also include optional extras such as breakdown, windscreen and legal expenses cover.

Whilst the horses in your care are being moved from A-B, your responsibilities towards them can be covered with care, custody and control insurance. Whether or not you have grooms or vets to hand throughout the journey, if you or as a company are deemed responsible in the event of the animal’s injury, or losing control of a horse by the side of the road, care, custody and control (known as CCC ) will cover you for this if you or your company are deemed responsible.


The Legality

By law, if you are moving goods, in this case, horses, ponies and donkeys in exchange for money, you must have the relevant certificate and qualification to cover equine transit for journeys. Without this, you will not be able to put this  insurance in place.

If your business revolves entirely around the safe transportation of other people’s horses, there is nothing to gain by opting for substandard insurance, as the risks could just be too great. At Shearwater we know precisely what cover you need in place to be well protected in your business operations, while giving your customers the confidence in your services. We also include Public Liability as standard.

Key Features

  Option 1 Option 2 Option 3
Maximum claim per animal £10,000 £25,000 £50,000
Maximum claim per incident £50,000 £75,000 £100,000
Maximum claims in a year £125,000 £175,000 £250,000
Public Liability as Standard £1 million £1 million £1 million


  • Higher Limits are available upon request
  • Cover available for European Transportation


  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get A Quote Today

For insurance that beats the competition.  Phone us today on 01992 718666 or request a quote online.