Insurance types

Please see policy wording for full terms and conditions.

Death theft and straying

This mandatory cover, will pay you the market or insured value of your horse should he or she be lost through death or humane destruction or if you lose your horse through theft or straying. Death theft and straying policy wording

Veterinary fees

You can opt to add vets fee cover to your basic policy. This will cover you for unforeseen veterinary costs brought about by illness, accident or disease – subject to Terms and Conditions. Veterinary fees policy wording

Hospitalisation

As an addition to your vets fee cover, you can also select to cover for livery costs charged by a veterinary hospital or clinic when your horse has to be kept there over one or several nights. Hospitalisation policy wording

Third party liability

Adding Liability to your policy will protect you if your horse causes an accident for which you are found legally negligent. It is important that you do not admit fault if you are in an accident. Third party liability policy wording

Personal accident and dental

This will cover you and any other rider of your horse for accidents causing serious injury (see policy wording) or death. It also covers for accidental damage to your teeth as a result of riding or handling your horse. Personal accident and dental policy wording

Saddlery and tack

If your saddlery and tack is not covered under your household contents insurance, you may want to add this section of cover to your policy. In order for your tack to be properly covered, your security arrangements for storing your tack must be adequate (see policy wording). In the event your tack is stolen or damaged, you can claim for it’s replacement value as shown on your Certificate of Insurance. Tack is defined as saddles, bridles and harness equipment and not rugs, grooming equipment and accessories. Saddlery and tack policy wording

Loss of use 75% or 100%

If you have included this section on your policy, loss of use can be claimed when your horse or pony is permanently incapacitated to such an extent that they will not be able to perform the activities they are insured to do. This incapacitation must come as a result of an accident, illness or disease and a qualified vet must confirm that they are satisfied the horse will never again be physically able to carry out these insured activities. You can select either 75% or 100% of your horse's market or insured value which represents the maximum amount you will receive in compensation. If you claim for this, you will need to decide if you prefer to keep the horse in retirement or allow the horse to be humanely destroyed for economic reasons – this choice affects the amount you will receive. All horses that have had a loss of use claim paid out on them will have to be specially freeze branded to indicate they are the subject of a loss of use claim. There are age limits applicable to this cover – 100% is available up to 12yrs and 75% up to 15yrs. Loss of use policy wording

Trailer cover or horse drawn vehicles

If required, we can add your trailer cover on to your horse's insurance. Your trailer or horse drawn vehicle will be covered for it's own damages caused by an accident. It's also covered if it is damaged internally by a horse. This cover does not include third party liability whilst it is attached to a tow vehicle as this should be covered by your motor insurance policy. We do advise that you check this with your motor cover provider. Trailer cover policy wording