Horsebox insurance for 21 year old....

I'm with KBIS and I'm 23, I'm on it as a provissional driver with someone on who has the HGV license so I can drive it with them in. They're the cheapest I found and include breakdown. Our lorry is a 7.5t with living, 2/3 horse and a 52 plate and for the year was £450 which I thought was pretty reasonable :)
 
Have just insured a 3.5t for 21 year old daughter to drive with Draytons, it was insurance only and had to organise breakdown cover separately.
 
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