horse truck insurance
25 Years of Expertise

Horse Truck Insurance

Specialist Cover for Horse Transport Operators Across Australia

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What is horse truck insurance & why is it important?

Horse truck insurance is a specialised commercial motor insurance designed for trucks and rigid vehicles used to transport horses whether for racing, breeding, agistment, events, or private transport. Designed to protect Australian owners and operators from severe financial exposure caused by accidents, injuries, or property damage.

Transporting horses is not the same as moving general freight. Horses are high value, live cargo that require specialist vehicles, experienced drivers, and the right insurance protection. With over 25 years of industry experience, we understand the real risks faced by horse truck operators across Australia.

  • The value and welfare of live animals
  • Custom-built horse floats and stalls
  • Loading, unloading, and transport risks
  • Public exposure at racetracks, events, and properties
Commercial Horse Truck Insurance

Why horse truck insurance is important

  • A single accident involving a horse truck can result in $100,000+ in combined vehicle, liability, and animal-related claims
  • According to industry data, 1 in 5 commercial truck claims in Australia involves third-party damage or injury
  • Horse-related liability claims regularly exceed $1 million when injury or animal loss is involved

What happens if you don't have insurance?

  • Out-of-pocket vehicle repair or replacement costs
  • Legal liability for injury to third parties
  • Financial loss due to stolen or damaged trucks
  • Business shutdown due to compliance breaches
  • Personal exposure to lawsuits that can exceed seven figures

For commercial operators, driving uninsured is a business-ending risk.

What Is Covered Under Horse Truck Insurance?

Vehicle & Transport Cover

  • Accidental damage to the horse truck
  • Fire, theft, and malicious damage
  • Collision and rollover protection
  • Towing and recovery costs

Liability Protection

  • Public liability cover (commonly $10M–$20M)
  • Property damage caused during loading/unloading
  • Injury to third parties at events or properties

Business Protection

  • Hire vehicle costs
  • Downtime or loss of income
  • Custom fit-outs and horse stalls
  • Tools and equipment cover

Statistically, over 60% of horse truck claims involve loading, unloading, or reversing incidents, making liability cover essential.

  • Wear and tear or mechanical failure
  • Unroadworthy or unregistered vehicles
  • Driving under the influence of alcohol or drugs
  • Unlicensed or unauthorised drivers
  • Use outside declared business activities
  • Transporting horses not disclosed on the policy
  • Intentional acts or negligence

Understanding exclusions upfront prevents claim disputes later.

Quick Quote

Get covered in minutes

Coverage options required: *

What Kind of Horse Trucks Do We Quote For?

We arrange insurance for a wide range of horse transport vehicles, including:

Rigid horse trucks
Rigid horse trucks (2–12 horse capacity)
Small horse transport trucks
Small horse transport trucks
Custom-built horse floats
Custom-built horse floats on trucks
Isuzu, Hino, Fuso horse trucks
Isuzu, Hino, Fuso, Volvo, and Scania horse trucks
Owner-operated and fleet vehicles
Owner-operated and fleet vehicles
Private and commercial transporters
Private and commercial horse transporters
Event and racing transport
Event, racing, breeding, and agistment transport

Whether your truck is valued at $40,000 or $400,000, we can structure the right cover.

How to Get Insurance for a Horse Truck

Step 1
Ask for a quote

Give information about the truck, how it is used, and the driver's history (takes about 5 minutes).

Step 2
Assess the Risks

We look at options from a number of Australian insurance companies.

Step 3
Structuring the Policy

Choose extra coverage, limits, and optional extensions.

Step 4
Confirm the Cover

Once a policy is approved, it is sent out within 24 hours.

Why Choose Us

Work with Best Truck Insurance for clarity, compliance, and confidence.

  • 25+ years of truck insurance expertise
  • Specialist knowledge in horse transport risks
  • Access to leading Australian insurers
  • Competitive premiums without cutting cover
  • Claims support when it matters most
  • Tailored policies not one-size-fits-all

Over 85% of our clients renew year after year, because we protect their business not just their truck.


Horse Truck Insurance FAQs

While CTP is mandatory, comprehensive horse truck insurance is essential for commercial operators.

Vehicle insurance covers the truck. Horse mortality requires separate livestock insurance.

Yes, both private and commercial use can be insured.

Most operators choose $10M–$20M, depending on exposure.

Yes, usage must be declared accurately due to higher risk exposure.

Yes, when declared as part of normal operations.

Yes, subject to licence and experience requirements.

Vehicle value, claims history, driver age, and usage type.

Yes, financiers can be noted on the policy.

Most claims are assessed within 5–10 business days, depending on complexity.