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Horse Rider Policy Information

  Junior (5–17 Years) Adult (18–65 Years) Adult Plus (18–65 Years)
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Public Liability

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

£1.25m £1m £1.25m £1m £2.75m £2.5m
Dental Treatment

Treatment for you following a riding accident.

£1,750 £1,500 £1,750 £1,500 £2,000 £1,750
Death of Rider

Accidental death of rider.

£7,500 £5,000 £12,500 £10,000 £22,500 £20,000
Personal Accident

Accidental injury whilst riding causing (a) total loss of sight, (b) loss of two or more limbs or (c) deafness in both ears.

£12,500 £10,000 £12,500 £10,000 £22,500 £20,000
Saddlery and Tack

Fire, accidental damage or theft following forcible or violent entry to a locked private building. Single item limit £500.

£1,250 £1,000 £1,750 £1,500 £2,000 £1,750
Permanent Total Disablement

Cover after a riding accident if no claims are made under the personal accident section.

£12,500 £10,000 £12,500 £10,000 £22,500 £20,000
School Fees

Cost of fees for missed private schooling as a result of a riding accident.

£3,000 £2,750
Vet's Fees

If you have an accident while riding and you need a vet in emergency.

£1,000 £750 £1,250 £1,000 £1,750 £1,500
Custodial Liability *

If the horse you are using is destroyed for humane reasons following an accident in which you are legally liable.

£1,500 £1,250 £2,500 £2,250 £3,500 £3,250

* Market Value up to


The excess is the amount you pay towards a claim. It is £60 on Custodial Liability section, £109 for Vet's Fees and Saddlery & Tack sections and £160 for Public Liability section. There is no excess on the other sections of cover.

1. Lunar monthly policy (more information)