If you’re the proud owner of a horse, it’s only natural that you would want to protect your investment. Don’t be saddled with big bills if something goes wrong. Read our guide to find out your horse insurance options and discover ways you could save money on your premiums.
Compare horse insurance
Updated May 22nd, 2019
Why do I need horse insurance?
Horses are an expensive business. In fact, these majestic creatures are some of the most expensive animals to not only buy but also look after. Routine veterinary checkups can be pricey, far higher than bills for traditional pets like cats and dogs. Having horse insurance can therefore offer you peace of mind should something go wrong. It can also give you financial protection against a wide range of risks that you, as a horse owner, could face, for example, if your horse was to stray or your horse tack (equipment) or trailer were damaged or stolen.
Having cover in place means security and confidence for all equine enthusiasts and professionals.
Horses are an expensive investment. Insurance is designed to protect you from the risks you may not be able to afford to cover yourself. Whether you’re a recreational rider or an equine professional, horse insurance can deliver a valuable range of cover.
There are a wide range of hazards. You need to watch out for a lot of potential risks with horses. Accidents and illnesses can strike at any time, as can thieves. Meanwhile, sports horses are very likely to be injured and the value of a thoroughbred or bloodstock horse can be exceptionally high.
Public liability is a serious concern. Horses are capable of causing a lot of property damage and they can cause a person serious injury or even death. As a horse owner, your public liability is worth considering.
What does horse insurance cover?
The exact type of cover and level of reimbursement available will differ between policies and it’s a good idea to look for a policy that matches your needs. There are both general cover options that many people can take advantage of and more specialised cover options that are specifically for riding, breeding or other uses.
Common types of cover include:
Horse insurance. Most horse insurance policies will only cover against a horse straying, being stolen or dying.
Veteran horse insurance. These policies tend to cover horses or ponies aged from around 15-40. As older horses are more at risk of developing health issues or sustaining injuries, premiums are likely to be much higher.
Horse rider insurance. These policies will cover one-off or regular riders if injured, the horse if injured, and possibly even public liability cover should a third party be injured or property be damaged.
Each insurer will have its own set of optional extras that can be added to a horse insurance policy to enhance cover. Adding one or more of the additional benefits is likely to increase your premiums so think carefully about what you need. Some of the common optional extras can include:
Veterinary bill cover. Cover for diagnostic tests, treatment or medicine.
Dental cover. Cover for visits from a specialist dental technician.
Advertising cover. If a horse is lost or stolen, cover costs for missing flyers and notices.
Loss of use cover. If a horse is injured or ill and cannot perform its routine activities.
Horse rider cover. Protection for riders.
Public liability cover. Cover of at least £1 million should third parties be injured or property damaged.
Personal accident cover. Protects riders and handlers against kicks and other injuries.
Replacement horse cover. Cover for the temporary use of a horse.
Horse trailer cover. Cover if a horse trailer is stolen.
Stable cover. Cover for your private stables.
Horse tack cover. Cover for stolen reins, saddles, bridles or harnesses.
What does horse insurance generally not cover?
Just as you’d expect from any type of insurance policy, horse insurance comes with a range of exclusions. The following exclusions are commonly applied to horse insurance:
If your horse has not been properly vaccinated or wormed.
If your horse needs to be hospitalised.
Pre-existing medical conditions.
Initial exclusion period, usually around 14 days where an insurer will not cover any claim that has occurred during the first days of the policy beginning.
How much does horse insurance cost?
A number of factors can influence the cost of your horse insurance premiums, including:
Your horse’s age. Veteren animals are generally more likely to suffer from health problems and could spend longer recovering from those problems. Expect this to be reflected in your premiums.
Your horse’s gender. Certain health issues are more likely to affect male horses than female horses and vice versa.
Your horse’s breed. Some breeds cost more to buy and are also more prone to suffering from certain health conditions. You can expect to pay higher premiums as a result.
The type of policy you choose. The higher the level of cover, the more you can expect to pay for premiums.
The number of horses you insure. You could be in line for a discount for insuring multiple horses under the same policy, but it will naturally cost you more overall than insuring a single horse.
The cost of the items you insure. The more expensive your saddles, harnesses, horse trailers and horse-drawn vehicles are, the more you can expect to pay for cover.
How can I get cheaper horse insurance quotes?
Increase excess. Deciding to pay a higher excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a horse claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if you need to claim.
Limit optional extras if you don’t need them. Think carefully about which, if any, optional extras you really want as adding extra protection to your horse policy will generally push the price up too.
Maintain your horse’s health. Look after your horse by ensuring it is properly vaccinated and wormed, regularly checked and enjoys plenty of exercise.
Multi-horse discounts. If your stables are full of horses, consider insuring them under one policy as you may benefit from discounts.
Shop around. Don’t simply choose to renew your horse insurance when it’s up for renewal as you could end up paying more than you need. Shop around and compare your options to find the best deal. Keep in mind that the cheapest policy isn’t always the best policy so check the cover details carefully.
Compare pet insurance quotes
Receive quotes from a range of UK insurance providers.
If you’re considering taking out horse insurance cover, it’s a good idea to get a veterinarian to examine your horse for any health problems before purchasing. However, even if your horse passes a vet’s examination, insurance companies may still specify a number of exclusions based on your animal’s health.
For your peace of mind, match your horse insurance to your needs and take out cover as soon as you possibly can.
Yes, some insurers will offer you a discount if you insure more than one horse under one policy. The discounts available from the insurers that offer multi-horse discounts will vary so be sure to do your research to find the best deal you can.
Yes, insuring your horse tack and other equipment can usually be added to your general horse insurance policy but cover benefits and optional extras will differ between policies.
Possibly. It really depends on how old your horse is but equine insurers can usually cover horses up to the age of around 15 years old. This may vary between insurers so it’s always worth shopping around to find a suitable policy for you and your horse’s needs.
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.
The offers compared on this page are chosen from a range of products Finder has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms “best”, “top”, “cheap” including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
Esther Wolffowitz is a publisher at finder.com. She is a specialist in insurance and wants to help UK consumers make better decisions. In her spare time, Esther enjoys discovering new restaurants and food markets in London.
Find out if motorbike insurance from MotorCycle Direct suits your needs with our review.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.