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Horse Policy Information

  Monthly1 Yearly
Essential Death of Horse

Due to accident/illness/disease plus up to £200 disposal costs. No cover for illness/disease for the first 14 days.

100% sum insured or market value if less
Public Liability

Legal liability to a third party, for the damages and costs arising from your use of the insured horse.

£1.25m £1m
Theft or Straying

Plus up to £500 recovery costs.

100% sum insured or market value if less
Personal Accident

Cover for you and any rider/driver if whilst in control of your horse you suffer a) death, b) total permanent loss of sight, c) loss of two or more limbs, d) total permanent deafness in both ears or e) total permanent disablement preventing the rider from any and every occupation.

£12,500 £10,000
Intermediate
same benefits as Essential plus
Dental Cover

Treatment for you following a riding accident.

£1,250 £1,000
Stables Cover

If a stable owned by you is destroyed or damaged beyond use by fire.

£1,250 £1,000
Vet's Fees

Cover for vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

£5,750 per incident * £5,250 per incident **
Saddlery and Tack

Fire, accidental damage or theft following forcible/violent entry to a locked private building. Cover not applicable where 5 or more horses are regularly kept, unless optional extension 2 is operable.

£1,750
£500 single item limit
£1,500
£500 single item limit
Hire of Horse

If horse is stolen and not recovered within 28 days.

£1,250
£25 limit per week
£1,000
£25 limit per week
Intermediate Value
same benefits as Intermediate except
Vet's Fees

Cover for vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

£2,000 per incident or sum insured if less + £1,500 per incident or sum insured if less ++
Premier
same benefits as Intermediate plus
Loss of Use

Of horse due to accident/illness/disease. Horses aged 13+ benefit limited to 50%.

100% sum insured or market value if less
Loss of Entry Fees

Due to death of horse or your hospitalisation.

£625 £500
Liability of Use

Legal liability to a third party, for the damages and costs arising from your use of another horse not insured under this policy.

£1.25m

* Maximum per incident upto £4,600, plus up to £1,150, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

** Maximum per incident upto £4,250, plus up to £1,000, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

+ Maximum per incident upto £1,250, plus up to £750, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

++ Maximum per incident upto £1,000, plus up to £500, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

Area Classification

  • Area A: All counties other than those shown in Area B
  • Area B: London, Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey

Types of Use

We provide cover for different types of use. An additional premium is charged if Type of Use 2 is selected:

Type of Use 1 Type of Use 2
Hacking, gymkhanas, showing, driving, Pony and Riding Club events, breeding, show jumping, dressage, heavy horses and foals over 30 days. Type of Use 1 plus: hunting, hunter trials, novice one and three day events, polo, endurance and long distance riding, cross country, horse ball, polo-crosse, vaulting and Le Trec.

Excess

The excess is the amount you must pay towards a claim. Policy excess is £149 for all sections except Vet's Fees where it is 17.5% with a minimum of £149, tack 17.5% with a minimum of £160 and Public Liability £260. The excess if you live in Area B is 17.5% with a minimum of £155.

1. Lunar monthly policy (more information)