Standard horse insurance

We realise that your horse passing away can be an extremely difficult time, so we’ll help you manage your policy and any claims as fast as possible.

If your horse dies or is put to sleep, we’ll cover their purchase price or the amount of cover you chose when you took out your policy, whichever is less. You can choose up to £6,000 of cover. The illness must have first started, or the accident happened, no more than 12 months before they died.

We’ll also cover up to £200 to remove and dispose of your horse’s body if they die in a way covered by this policy. For example, you won’t be covered if your horse dies in a hunting accident.

If your horse is covered for more than £4,000 under Section B, we will require a 5 Stage Vetting certificate. The Vetting certificate should be no more than 30 days old. We must have received the certificate within 14 days of your policy start date or renewal.

We don’t provide cover if your horse dies within the first two days of your policy start date.

There might be a time when someone holds you responsible for an incident involving your horse. For example, your horse’s actions might result in someone being killed, getting injured or having their property damaged. If someone makes a legal claim against you due to an incident involving your horse, we’ll cover your legal costs. If we’re settling a legal claim, we’ll also pay compensation and legal costs for the person making the claim.

You must follow advice given to you about your horse’s behaviour by their past owners, rehoming or rescue centre staff, vets, behaviour specialists or the authorities. If you don’t follow their advice, and that leads to a legal claim, we won’t be able to cover the claim.

If you choose this benefit you will have cover for up to £2million.

Please read the policy booklet for full details of what is included and what is not included.

We’ll pay up to the amount shown in Your Schedule to repair or replace your horse trailer if it’s stolen or damaged. We’ll pay either the amount you paid or how much it was worth at the time of the incident, whichever is lower.

If your trailer is damaged in an accident or by vandalism, we’ll decide whether to repair or replace it. We may send someone to check the damage before we make a decision.

You must also keep it secure using a wheel clamp or tow hitch lock, or by keeping it in a locked building. We won’t be able to pay your claim if you don’t.

You can choose cover up to £1,500, £3,000 or £5,000.

We won’t cover claims if your horse trailer is stolen or damaged in the first 14 days of your policy.

If your saddlery and tack is stolen or damaged, we’ll cover the cost of repairing or replacing it. You can choose cover up to £1,500, £3,000 or £5,000.

We won’t cover claims if your saddlery or tack is stolen or damaged in the first 14 days of your policy.

The amount we pay will depend on how old the equipment was when it was stolen or damaged. If it’s less than three years old, we’ll cover the full amount you paid for it, and after this we’ll pay a percentage. These percentages are listed below:

If your horse can't do the activities you choose for them

We'll cover your horse up to the amount you choose for hacking, as well as a second activity. We’ll cover you if your horse develops a condition that means they’re permanently, physically unable to do those activities. If your horse is unable to do one activity but not the other, we'll only pay half the cover amount.

You can choose up to £6,000 of cover.

We’ll pay either the purchase price or or the amount you chose when you took out your policy, whichever is lower.

If your horse is covered under this section, we'll require a 5 Stage Vetting certificate. The Vetting certificate should be no more than 30 days old. We must have received the certificate within 14 days of your policy start date or renewal.

We’ll provide cover if someone is injured or killed in an accident while riding your horse in the UK. We’ll only cover injuries to riders you’ve named in your policy– so make sure to tell us the details of anyone riding your horse regularly. Please read the Standard Horse policy booklet for details on how much cover we provide.