Horse insurance

Whether you own a horse or loan a pony, we’ve got you covered. With up to £5,000 vet fees and a range of optional extras, select the level of cover to suit your needs. Get a horse insurance quote today.

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

Standard

Plus

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

shutterstock_695714974-min

Get a horse quote today

Our wide range of horse insurance is for everyone. We offer choice, flexibility, and optional extras to suit. Get a quote and see if you could save.

Horse policy information

View the horse insurance policy booklet for full terms and conditions.

Making a claim

We aim to process all claims as smoothly and quickly as possible so you can concentrate on what’s important — your horse’s health.