Horse Insurance

This benefit covers the cost of veterinary treatment required to treat illness and injury, including complementary treatments specifically recommended by your vet. Each condition is covered up to the maximum Veterinary Fees limit you've selected for a period of 12 months. This benefit does not provide cover for any illness or injury that occurred before the start of the policy and an excess will apply for each unrelated illness or injury during each policy year. Choose from £3,500 (£500 excess) or £5,000 (£145 excess) per condition.

If your horse causes damage or injury and you are legally responsible, this covers the legal costs and expenses and the claimant's compensation. An excess of £250 will apply for each unrelated incident during each policy year. Choose from £1 million, £3 million or £5 million cover per incident.

The personal accident benefit provides cover for injury or death for you, or anyone else aged 5-75 years old riding or handling your horse with your permission. We will cover up to £1,000 towards dental treatment for the rider or handler, and choose from our Standard Personal Accident Benefit, offering £10,000 cover, or our Superior Personal Accident Benefit, offering £20,000 cover, following the death or permanent disability to the rider or handler.

We offer 100% Loss of Use. This means if an illness or injury permanently prevents your horse participating in one of their insured activities, we'll pay their value at the point of illness or injury happened (minus the amount they're still worth based on what they're capable of doing).

This benefit pays up to £400 towards the cost to remove and dispose of your horse’s body following death or euthanasia, provided the condition that caused the horse's death would be covered within the vet fees benefit.

This benefit covers your saddlery and tack in the case of damage or theft. The minimum level of cover for this benefit is £1,000. If you estimate that the replacement value of your saddlery and tack is more than £1,000, please select additional cover to the nearest £500.

This benefit provides cover for your horse trailer or horse-drawn vehicle. If your vehicle is damaged, we will pay the cost of repair. If the repair costs exceed the market value, or the item is stolen or destroyed, we will pay the market value (up to the sum insured). Covers the cost of repair or the market value (up to the sum insured). Also includes £1million Third Party Liability cover for incidents involving your Horse Trailer or Horse-Drawn Vehicle.