A horse insurance cover can cover you for many of the things you would receive financial protection for in a typical pet insurance policy. This can include:
Public liability insurance
The death of your horse
However, it is important to note that basic horse insurance policies do not tend to include as standard vet treatment fees. Therefore, if this is the kind of cover you are looking for, always make sure this is included in your policy.
You can get cover for:
Death or personal accident: if you or another ride of your horse dies, or suffers loss of sight, limbs or disability due to a riding accident.
Stable cover: if the horses stable is damaged or completely destroyed by a fire, you can claim for the cost of keeping your horse elsewhere.
Permanent loss of use: if your horse becomes ill or has an accident that means it is no longer possible to ride them.
Saddlery and tack: if your riding saddle or tack are accidentally damaged lost or stolen you can recover the costs.
In terms of pet insurance policies, getting insurance for a horse can be one of the most expensive animals for owners to cover, as well as buy. However, having a horse insurance policy is vitally important, given the amount of protection it can provide you for your animal if something ends up going wrong.
Whether you are applying for horse insurance for leisure or business purposes, Proper Finance can help you find the best cover and rates possible by comparing policies across the whole of the market in the UK.
Our comparison service also includes equestrian insurance and cover for Shetland ponies too.
Before we compare horse insurance policies that are available, it is worth taking into consideration the kind of cover you will require for your horse.
We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.
Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.
Proper Finance have more than 100 top-quality partners in insurance and loans.
Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.
The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.
Yes, if you plan to use your horse or pony for any of the activities that have been listed in the group two horse insurance category, then you will not be fully covered in the event you need to make a claim.
Yes, but it depends on the insurer. Some insurers stipulate that they will only provide cover for horses up to the maximum age of 15 years old.
No, it is not a legal obligation but it is highly recommended, given how expensive looking after a horse can be. However, if the horse is used for commercial reasons (for example, at a riding school) you will need to have an insurance policy in place.
No, but it can be possible to add this to a horse insurance policy, as it does not come as standard.
In the case of a permanent loss, you will typically be insured for the purchase price or the current market value of your horse, up to a specified limit (such as £12,000).
Yes, if you need to make a claim for you or your horse, it is usually the case that you need to pay an excess for the first part of the majority of claims made.
In most cases, you will need to pay approximately £75 in excess. However, this can be higher as the cost can vary, depending on what it is you are claiming for.
You will find that many insurers will exclude any pre-existing conditions from your policy. Nevertheless, do not be tempted into falsifying any pre-existing medical conditions, as it could cause your insurer to turn down all future claims too, even if unrelated.
You will usually need to send a claims form directly to your insurer with supporting documentation of the injury or incident.
It is usually recommended that with public liability insurance (also known as third party insurance) you look for a policy that provides you with cover for at least £1 million.
When you are looking at equestrian insurance policies, you will be required to tell your insurer the activities you use your horse for, as many policies fall under two types of categories:
Group one: for horse activities such as show jumping, dressage, showing and riding club events.
Group two: includes activities in group one as well as things such as cross country, horse ball, vaulting, events and hunting.
Getting horse insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.
Our team has spent years working in consumer finance, insurance and price comparison websites. We had a light bulb moment to come together and combine our expertise, so we could give customers the best choice and options possible.
Finding the right insurance and finance can be a bit of a minefield, but knowing that you are applying safely and securely online can give you peace of mind and ultimately give you the best products possible.