Details and documents - Horse insurance

Standard policy features

• Death or accident, illness and disease insurance
• Theft or straying insurance
• Public liability insurance
• Insurance for the loss of United Kingdom passports
• Equine legal protection insurance

Policy options

• Veterinarian fees
• Riders' personal accident
• Saddlery and tack
• Horse trailer
• Stable loss

Policy exclusions

• Slaughter (except on humane grounds) without the consent of the general agent
• The first 14 days from the inception of the policy arising from illness or disease
• Destruction of the horse as a result of economic expediency
• Use in connection with a riding establishment or public rides/fetes

Policy excesses

• Death: no excess applies
• Saddlery and tack
• £1,000 cover: £100
• £2,000 cover: £200
• Third party damage: £100
• Dental treatment: £50 (under the personal accident section)
• Trailer/horse drawn vehicle: £100 (accidental damage/theft)
• Veterinary fees
• Depending on the cover you select the excess can vary from £95 up to £500 per claim
• If you select a higher excess your premium will be lower

The full classes of use you can choose from

Use A

Hacking, dressage, gymkhanas, pony club (excluding racing), riding club, BHS Le Trec, non-thoroughbred broodmares, stallions at stud, unaffiliated novice and intermediate showjumping, novice hunter trials, driving (excluding cross country and trials), showing in hand or under saddle, foals over 30 days and heavy horses (not working).

Use B

As Use A with the addition of hunting, pony club racing, unaffiliated open showjumping, showjumping under BSJA rules, open hunter trials, BE affiliated eventing (up to and including intermediate), combined training, long distance riding, vaulting, driving (including cross country and trials) and heavy horses (working).

Use C

As Use A and B with the addition of point to point, team chasing, polo, polocrosse, horseball and BE affiliated advanced eventing.

Policy documents

• Equine policy summary
• Equine policy wording