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Equestrian Horsebox finance buy a horsebox horse trailer loan uk

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Whether you’re wishing to purchase a horse trailer or something larger with 4 or 6 stalls, get in touch, we’ll find an affordable loan to suit your needs. We work to provide horsebox finance for both businesses and private buyers.

There are some consideration you need to make before choosing your horsebox... these include: 


Horsebox payload explained

Above all other considerations I would jump straight to payload. Payload is the amount of horses, people, tack, water and fuel you can legally carry. To calculate the payload, you need to know the Maximum Authorised Mass (MAM), often referred to as the Gross Weight, or GWT of the horsebox and subtract the un-laden weight (how much it weighs empty from its weighbridge certificate) from the MAM. This calculation gives the payload.

As a very quick example, the MAM of our Aeos Hybrid is 4.5 tonnes and the un-laden weight is 2.7 tonnes. So the calculation for permissible payload is 4.5 (MAM) subtract 2.7 tonnes (un-laden weight) and this gives 1.8 tonnes payload.
The marketplace is flooded with overweight horseboxes. Overloading a horsebox affects cornering, suspension, brakes, and voids insurance. They represent a significant threat to horses, passengers and other road users. Fortunately with a more informed equine community, both new and used horseboxes that are overweight have become considerably harder to sell and this is one of the reasons we only take our own horseboxes in part exchange.

I would add a word of caution here as a healthy payload can be achieved in two ways. The more expensive route is manufacturing using the latest materials and designs, in a manner that actually makes the horsebox stronger as well as lighter. The other route is to keep the overall price down and cut corners wherever possible, this often includes removing safety features and structural strength which results in a build that only needs to outlast the first year’s warranty period.
My advice would be to approach any sales meeting armed with the payload you require and to be on the safe side, remember to leave a little spare capacity.

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Equestrian Horsebox finance buy a horsebox horse trailer loan uk 

 

 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk

 


 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk

 


Equestrian Horsebox finance buy a horsebox horse trailer loan uk 

 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk

Horsebox weighbridge certificate

The sensible route here is to only buy a horsebox with a current weighbridge certificate. However, always bear in mind heavy items may have been added over the years, or before taking the horsebox for weighing, items like partitions and horse doors may have been removed to boast a higher payload …and yes it does happen, I have seen it!
The best possible options here are either buy from a manufacturer who can weigh the horsebox in front of you, or drive the horsebox to a local weighbridge. This way there is no gray area and you will have full confidence in your purchase.
For our own part and to be as transparent as possible we weigh each horsebox onsite and everything we manufacture has a weighbridge certificate. We even offer our customers the option to weigh their horses and tack.

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Horsebox safety

This is a difficult one for customers because they do not look with the eyes or experience of a coachbuilder. At the very least customers should have a good look underneath the horsebox at how it is protected from water and salt. Pay close attention to welding and around bolts for rot or cracking, especially if it is an aluminium construction. Bearer spacings should be at 300mm centres or less. It is common to see converted delivery wagons with bearer spacing out as far as 600mm, these are not suitable for horses unless a good deal of extra strength has been added to the floor above.
I make a point of showing customers underneath our horseboxes where we spray oil resistant paint, stone chip and Waxoyl. I would add a further warning here, do not believe the hype that aluminium or galvanised steel does not rot. Regardless of whether it is aluminium, galvanised steel or stainless steel we paint everything.

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Equestrian Horsebox finance buy a horsebox horse trailer loan uk

 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk


Equestrian Horsebox finance buy a horsebox horse trailer loan uk 

 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk

Used horseboxes

An inspection should include tyres, steering, clutch and brakes. A visual inspection of the tyres should highlight tread depth and individual tyre condition and don’t forget to check for cracking on the tyre walls, inside walls too. A short test drive should highlight steering, clutch and brake issues. I would also look for oil and water leaks and if it has air brakes, it’s a good idea drain the system down by pumping the foot brake when the engine is off until the low air alarm sounds, then start the engine and let it fill up again until the buzzer goes quiet. At this stage it’s probably worth testing all the gauges, fans and lights etc.
In addition, service histories are of benefit when available, however many used horsebox chassis have been maintained fleet vehicles so service history is notoriously hard to come by.
It is always sensible to start with an HPI Check.
Click for more -  HPI check

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Horse Area

Horse safety should be part of any inspection and must be high on any list. Horse partition strength is important as are edges on cappings and any metalwork. Ramp condition, angle and fastening mechanism should be checked and take special care looking at the hinges, it’s where most horseboxes have major problems later in life and these are expensive to fix. If you buy a horsebox that is used test the weight of the ramp. Often used horseboxes will need new springs to make them easy to close. New springs are a fairly easy fix and sometimes just altering poorly set up hinge points is all that is needed.

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Equestrian Horsebox finance buy a horsebox horse trailer loan uk

Equestrian Horsebox finance buy a horsebox horse trailer loan uk


Equestrian Horsebox finance buy a horsebox horse trailer loan uk 

 

Equestrian Horsebox finance buy a horsebox horse trailer loan uk

The horsebox living area

Living areas can vary greatly from horsebox to horsebox, but the main items to check are the water system, 12/24 volt and 230 volt systems and all gas appliances.

A current Gas Safe certificate should be included and this should be renewed yearly. For your own protection a carbon monoxide, smoke detector and fire extinguisher should be fitted for safety.

There should also be a number of ventilation points to the living area.

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Where to buy your horsebox?


 Equestrian Horsebox finance buy a horsebox horse trailer loan uk

 

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It is also worth considering the pros and cons of buying from a dealer or buying privately. Buying privately may be the cheapest option but is almost always sold as seen, whereas buying from a dealer often has some warranty and will come under the Sales of Goods Act 1979.

 Equestrian Agricultural Farm and Rural Mortgages and Finance Broker in UK and Yorkshire

 

Equestrian Agricultural Farm and Rural Mortgages and Finance Broker in UK and Yorkshire