Equine Insurance for Brokers

Quote and Buy

Overview

Our expert underwriters offer equine solutions for horse insurance, covering hackers to hunters and show horses to showjumpers.

Key Features

• Death by accident, illness and disease insurance
• Theft or straying insurance
• Public liability insurance up to £2 million
• Insurance for the loss of United Kingdom passports

For the following activities:

Use A   At Grass, Retired, Hacking, Flatwork and Groundwork, Dressage up to and including Elementary, Jump Schooling up to and including 1 metre, Backing and Breaking in, Mounted Games, Trec, Brood Mares, Stallions at Stud, Showjumping up to and including 1 metre, Hunter Trials up to and including 1 metre, Driving (excluding cross country, scurrying and trials),  Showing in Hand or under Saddle (including Working Hunter classes), Pleasure Rides up to and including 15 miles (25km), Western Pleasure Riding (including reining and cutting), Eventing up to and including 1 metre, Combined Training up to and including 1 metre, Endurance Riding up to and including 25 miles (40 km), Liberty Riding, Jump Cross up to and including 1 metre, Cross Country up to and including 1 metre, Foals over 30 days, Vaulting and Heavy Horses.    

Use B   As Use A with the addition of Hunting, Dressage – Medium and Advanced, Showjumping from 1.05 metre and above, Cross Country from 1.05 metre and above, Jump Schooling from 1.05 metre and above, Jump Cross from 1.05 metre and above, Pleasure Rides up to and including 25 miles (40 km),  Hunter Trials from 1.05 metre and above,  Eventing up to and including Intermediate, Combined Training from 1.05 metre and above, Endurance Riding up to and including 65 miles (100km), Driving (including Cross Country and Trials), Shetland Racing, Western Riding (including barrel racing) and Team Chasing – Novice and Intermediate.

Use C   As Use A & B plus Point to Point excluding National Hunt, Team Chasing - Advanced, Polo, Polocrosse, Horseball, Dressage – Prix St George and above, Tent Pegging, Endurance Riding above 65 miles, Advanced Eventing and Any Discipline under FEI Rules and Regulations.

Optional Cover

• Personal accident insurance up to £20,000 for Death and Total Disablement (including £1,000 dental treatment, with a £100 policy excess)
• Three options for veterinary fees insurance:
1. £3,000 per period of insurance with an excess of £185 for each and every claim
2. £5,000 per incident, up to £10,000 per period of insurance, with an excess of £210 for each and every claim
3. £5,000 per incident, up to £10,000 per period of insurance, with an excess of £500 for each and every claim
   
   This includes up to £1,500 in respect of alternative treatment if recommended by a Vet.
   
   

   Please note, where a Horse specified on the Policy Schedule is insured or the Market Value is at £2,000 or under, the maximum payable under this section will reflect the Sum Insured of the Horse, or the Market Value, whichever is less, per incident.

• Loss or damage to saddlery and tack insurance with two options:
1. £1,000 with an excess of £100 for each and every claim
2. £2,000 with an excess of £150 for each and every claim

• Permanent loss of use insurance for accident, illness or disease for 100% if the horse is totally incapacitated or 60% if the horse can still be used
• Stable loss insurance of up to £500 for cost of alternative stabling
• Loss of entry fees insurance up to £300 caused by death of insured horse or hospitalisation of intended rider
• Trailers and horse-drawn vehicles insurance for theft or accidental damage with an excess of £150 for each and every claim
• Insurance for horses over 16 years of age or where we have agreed they can be insured for Accidental External Injury Only, cover includes Death by Accidental External Injury only, causing either a Bone Fracture or a Visible External Wound, Theft or Straying, Public Liability up to £2 million and Veterinary Fees for Accidental External Injury only causing either a Bone Fracture or a Visible External wound to the value of £1,500 per incident, up to £3,000 per period of insurance with an excess of £125 for each and every claim

Alternative Cover is available, please refer to our Equine Underwriting Team for details.

Cover such as the following:

• Illness, Disease and Injury cover for over 16 year old Horses
• Accidental External Injury Only cover for Horses all ages
• Colic Extension
• Optional Voluntary Excesses on Vet Fees
• Other Vet Fee options
• Class of Use for Horses who are At Grass, Retired or Broodmares
• Horses worth in excess of £25,000
• ‘Essential Cover’ for Horses under the value of £1,500