Guide to horse insurance

A Guide to Horse Insurance

Take Cover

In times of economic uncertainty, ensuring that you are financially covered by a suitable insurance policy in the event of injury, illness or theft is more important than ever for horse owners.

Basic Cover

Many horse insurance policies provide mandatory basic cover for ‘death, theft and straying’ and in the event of one of these situations arising will pay out the market value of the horse. There is a range of additional, optional benefits available, which allow you to create a policy that suits your requirements.

Vets Fees: This provides cover towards the veterinary costs of treating an illness or injury. The right cover will also provide peace of mind that you can afford the best care for your horse without the worry of expensive vet bills.

Permanent Loss of Use: This pays up to 60% or 100% of the sum insured if, due to an illness or an injury, the horse is permanently unable to participate in one of the activities for which it is insured.

Third Party Liability: Pays towards legal costs and compensation in the event that you are found legally liable for damage or injury or death as a result of an incident involving your horse.

Personal Accident: Can provide financial support in the event of an accident which results in injury to the rider or handler of the insured horse.

Saddlery and Tack: Pays towards the cost of repair or replacement of lost or damaged saddlery and tack.