advice need on horsebox insurance value

BethH

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HI, I need to insure my horsebox and really can't work out it's value despite looking everywhere for comparisons, any suggestions welcome.

To cut a long story short, I had an old lorry with a nice container on it and halfway up a hill on the way back from a show I lost power to the gears and we think the clutch has gone (not a good experience, luckily wood nearby and managed to stop box rolling backwards downhill by putting lumps of wood behind rear wheels!!! I don't have much lorry luck!)

The chasis is so old that it wasn't worth replacing the clutch and a couple of other bits wrong with it to get it through it's mot so I have had to stump up a load of cash to get a new chasis (they are a nightmare to find!) as I can't bear the thought of anything breaking down again with my horse on board as is 2nd time I have had to be towed back and we are right on the edge of the emission zone - bless you ken!!

I finally have a 3.5 ton lorry, it is a twin rear axle on a 54 plate LDV chasis, has done 53k miles and has a very tidy ifor williams container on the back which will take a 2 big horses up to about 16.3, but with the payload restriction would take a 16hh horse and a smaller pony???? It is now quite a smart and new lorry, I can't find a starting point for the value except the cost of the chasis which was £6.5k, have no idea of the value of the container as is in excellent condition (nearly good as new) but is at least 10yrs old, values seem to differ massively, there are renault master types out there on single axle older chasis for £14k which aren't as sturdy as mine, but look lots prettier due to having nice coachwork. Ijust can't tell what the replacement value would be and want to get enough cover as they get pinched fairly regularly in our neck of the woods ? Any ideas anyone?
 
The coachbuilt lorries do fetch more than the container type ones as thats what people tend to want... maybe £11k for yours...? i think you will just have to search through and find something similar to value it properly.

They are out there just not as common as the renault master type ones!
 
Look at it another way - rather than the value of your current box, how much would you need to spend to buy another? Insure it for that amount (if you can) and at least you know that you have enough money to replace it should the need ever arise.
 
Hi, thanks 2 both of you for your posts think you are both right, was thinking £11k would be around the replacement value for a chasis & new container, think I would really struggle to find something similar having hunted around for something to compare it too, have decided lorry owning is a nightmare and the ones that work properly people hang on to!

Lets hope this one give me a better track record than the old one, my poor horse is fed up with going home on a low loader!
 
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