If you are not receiving any form of ‘reward’, financial or otherwise, then you will be covered to transport other’s horses under a horsebox insurance policy that is for ‘social, domestic and pleasure’.  When charging people for transporting their horses, or if using the horsebox in connection with your business then a policy change will be required.
We recommend discussing your types of use with one of our brokers for expert advice.
Business Use – will provide cover if you are using your horsebox in connection with your own business.  For example, if you are a professional rider transporting horses to competitions, on behalf of owners, but are not receiving any type of reward from which you make a profit from.
Hire & Reward – is when you are viewed to be receiving a profitable reward for transporting other people’s horses.  This could include charging a specific fee per mile.