Horse insurance cover
Our wide range of horse insurance is for everyone.
We offer choice, flexibility, and a range of optional extras.
We have a range of horse cover levels to suit
Only available for horses valued over £10,000
Core cover
-
Claimable period
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
-
Theft and straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or current market value of your horse
-
Death by injury or illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or current market value of your horse
-
Advertising & reward
Cover for the cost of advertising and the reward you have offered and paid to get your horse back if it is stolen or goes missing during the policy year.
£300 per year
Optional extras
-
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
-
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£6,000
For each injury and illness for 12 months
-
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
-
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
-
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
-
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
-
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
-
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
Core cover
-
Claimable period
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
-
Theft and straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or current market value of your horse
-
Death by injury or illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or current market value of your horse
-
Advertising & reward
Cover for the cost of advertising and the reward you have offered and paid to get your horse back if it is stolen or goes missing during the policy year.
£300 per year
Optional extras
-
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
-
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£5,000
For each injury, and illness for 12 months
-
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
-
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
-
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
-
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
-
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
-
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
Core cover
-
Claimable period
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
-
Theft and straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or current market value of your horse
-
Death by injury or illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or current market value of your horse
-
Advertising & reward
Cover for the cost of advertising and the reward you have offered and paid to get your horse back if it is stolen or goes missing during the policy year.
£300 per year
Optional extras
-
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
-
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£4,000
For each injury and illness for 12 months
-
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
-
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
-
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
-
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
-
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
-
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
Core cover
-
Claimable period
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
-
Theft and straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or current market value of your horse
-
Death by injury or illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or current market value of your horse
-
Advertising & reward
Cover for the cost of advertising and the reward you have offered and paid to get your horse back if it is stolen or goes missing during the policy year.
£300 per year
Optional extras
-
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
-
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£2,000
For each injury and illness for 12 months
-
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
-
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
-
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
-
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
-
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
-
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
We have a range of horse cover levels to suit
Core cover
Premier
Only available for horses valued over £10,000
Plus
Standard
Value
Claimable period
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed
Theft and straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Death by injury or illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Sum insured or current market value of your horse
Advertising & reward
Cover for the cost of advertising and the reward you have offered and paid to get your horse back if it is stolen or goes missing during the policy year.
£300 per year
£300 per year
£300 per year
£300 per year
Optional extras
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
£200 per year
£200 per year
£200 per year
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£6,000
For each injury and illness for 12 months
£5,000
For each injury, and illness for 12 months
£4,000
For each injury and illness for 12 months
£2,000
For each injury and illness for 12 months
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
£1,000 per year
£1,000 per year
£1,000 per year
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
£10,000 or £20,000
£10,000 or £20,000
£10,000 or £20,000
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
£1,000 or sum insured
£1,000 or sum insured
£1,000 or sum insured
Disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
£200 per year
£200 per year
£200 per year
£200 per year
Veterinary fees
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
£6,000
For each injury and illness for 12 months
£5,000
For each injury, and illness for 12 months
£4,000
For each injury and illness for 12 months
£2,000
For each injury and illness for 12 months
Complementary treatment
Horse insurance cover for the cost of acupuncture, chiropractic manipulation, feed supplements, herbal medicine, homeopathy, hydrotherapy, nutraceuticals, osteopathy, physiotherapy, and specialist farriery when carried out for your horse during the policy year to treat injury or illness.
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
£1,000
(Within veterinary fee limit)
For each injury and illness for 12 months
Hospitalisation & transportation
Horse insurance cover for the event that your horse needs to go to a veterinary college or hospital. This section covers the livery charges at, and the transportation of your horse to and from, the veterinary college or hospital.
£1,000 per year
£1,000 per year
£1,000 per year
£1,000 per year
Loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less).
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
50%, 75%, or 100%
Of the sum insured
Public liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
£1,000,000 or £2,000,000
Per incident
Personal accident
Covers the rider of your horse for injury or death, including the cost of emergency dental treatment.
£10,000 or £20,000
£10,000 or £20,000
£10,000 or £20,000
£10,000 or £20,000
Saddlery & tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new.
£1,000 or sum insured
£1,000 or sum insured
£1,000 or sum insured
£1,000 or sum insured
Horse insurance policy information
View the horse insurance PW (Policy Wording) and IPID (Insurance Product Information Document) for full terms and conditions. For more information, please see our FAQs.
Get a horse quote today
We’ve designed our policies to cover the unexpected and give you and your horse peace of mind. Get a quote and see if you could save.