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 per policy year.

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 £10,000 or £20,000 maximum benefit following the death or permanent disability to the rider or handler

If an illness or injury permanently prevents your horse participating in one of the insured activities we’ll pay your horse’s current value. You can add this cover if your horse has a sum insured of £2,000 or over, is in Activity Group 3 or higher and is aged between 2 and 16 years.

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. If your saddlery and tack is stolen or destroyed, we will cover the cost to replace as brand new. If your saddlery and tack is damaged we will either pay the cost of repair or, if the repair costs are more than the item is worth, we will cover the cost to replace as brand new. In order for us to pay over £400 for an item of saddlery or tack you must have formal proof of purchase for that item (receipt or saddler's valuation). An excess of £100 will apply in the event of a claim. Choose from £1,000 to £5,000 for 12 months.

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.