Horse Insurance

We offer a range of insurance policies for horses and riders, from the retired horse at grass, the show horse, and the rider without a horse of their own; we offer policies that you can tailor to suit your needs.

So what kind of cover can we offer you? Well, we have 4 policies (split into 2 categories) for you to choose from, all of which can be seen below.

Horse Insurance

Standard Horse Insurance: Our Standard Horse insurance policy offers cover for veterinary treatment and/or complimentary medicine for your horse, pony or donkey aged between 30 days and 16 years. This policy also has a range of optional policy benefits that you can add on to try and help cover the vast array of situations you could face as a horse owner. These include cover for:

  • Death of horse (disposal is also an optional policy benefit)
  • Loss by theft or straying
  • Permanent loss of use
  • Third party liability
  • Personal accident and dental
  • Saddlery and tack horse trailer
  • Horse trailer

If you are interested in this policy please refer to the Standard Horse insurance policy page to see what each optional policy benefit offers, including details on the amount of cover you can receive for each.

Mature Horse Insurance: Our Mature Horse insurance policy offers cover for veterinary treatment and/or complimentary medicine for horses, ponies or donkeys aged 16 years old and over. The optional policy benefits for our Mature Horse insurance policy include cover for:

  • Death of horse (disposal is also an optional policy benefit)
  • Loss by theft or straying
  • Third party liability
  • Personal accident and dental
  • Saddlery and tack
  • Horse trailer

If you are interested in this policy please refer to the Mature Horse insurance policy page to see what each optional policy benefit offers, including details on the amount of cover you can receive for each.

Rider Insurance

Standard Rider Insurance: Our Standard Rider insurance policy offers cover for riders over the age of 18 years who are riding a horse that they have on loan or do not own. The policy benefits include and provide cover for:

  • Personal accident and dental for you as a rider
  • Third party liability
  • Custodial liability
  • Emergency vet fees up to 24 hours after an accident occurs

If you are interested in this policy please refer to the Standard Rider insurance policy page to see what each policy benefit offers, including details on the amount of cover you can receive for each.

Young Rider Insurance: Our Young Rider insurance policy offers cover for riders between the ages of 5 to 18 years old who are riding a horse that they have out on loan or do not own. The policy benefits include and provide cover for:

  • Riding tuition fees
  • Personal accident and dental for you as a rider
  • Third party liability
  • Custodial liability
  • Emergency vet fees up to 24 hours after an accident occurs

If you are interested in this policy please refer to the Young Rider insurance policy page to see what each policy benefit offers, including details on the amount of cover you can receive for each.

You may also be interested to know that we have a 10% multi-pet discount* that will apply if you take out a policy for more than one of your animals, whether that’s two horses, or a horse and another pet, such as a cat or a dog.

*Excluding Accident-Only, Basic and Rider-Only policies.