We believe that everyone should have some form of cover for their horse, so we provide horse insurance from 30 days old with varying levels of cover.
We offer a range of competitively-priced horse insurance policies for you to choose from, with the option to ‘bolt on’ a range of additional covers of your choice.
Our Standard Horse policies offer a veterinary fees condition limit of £2000 per condition for 365 days from the condition onset, with certain plans increasing this cover to £4,000 or £6,000, subject to a policy excess.
Our Mature Horse policies, available for horses over 20 years old, offer cover for accidental injuries up to a condition limit of £2000 per injury for 365 days from the initial onset.
- Cover available from 30 days old with no upper age limit
- Rider-only insurance policies available
- Same day claims payment (when using our Pawtal system)
- Monthly or annual payment
- Voted Consumer Moneyfacts Best Claims Service 2015 & 2016
- Over £3,700,000 donated to animal charities
What Policies Do You Offer?
Our horse insurance team is made up of experienced and knowledgeable sales people and claims assessors who, above all else, are horse lovers through and through. As a result, we understand that owning a horse or donkey is one of the most rewarding experiences in life, and you will naturally want to do everything you can to ensure your new best friend is as protected as possible.
Bolt on Extras
Bolt on extras are available to add onto your Standard Horse insurance policy so that you can customise it to fit your requirements, including:
Permanent Loss of Use
We will provide cover for the market value, the purchase price paid, or the amount specified in your schedule, up to the maximum benefit limit, if your horse is permanently injured and is prevented from taking part in the activities shown on your schedule.
Death of Horse
If the worst should happen, and you lose your equine companion to an accident, we will look to provide cover for the market value, purchase price or sum insured (whichever is lesser) up to a maximum of £1,500.
Loss by Theft or Straying
We will provide cover for the market value, the purchase price paid, or the amount specified in your schedule, up to the maximum benefit limit, if your horse is stolen or lost for more than 90 days. We will also pay towards the advertising and reward costs for your horse.
Third Party Liability
We will provide cover where property is damaged or someone is killed, injured or becomes ill as a result of an incident involving your horse or your horse trailer (if covered) and you are legally responsible, we will pay up to the benefit limit specified in your schedule.
Personal Accident and Dental
We will provide cover for either death, permanent blindness in one or both eyes, permanent deafness in both ears, loss of limb or permanent total disablement and or dental treatment, if you are killed, injured or become ill when riding your horse, up to the maximum amounts as per the benefit table found in the Horse Insurance Policy Wording.
Saddlery and Tack
We will provide cover for the market value, the purchase price paid or the amount specified in your schedule, (whichever is the lesser amount), if your saddlery and tack is lost, stolen, or damaged.
We will provide cover for either the market value, the purchase price paid or the amount specified in your schedule, (whichever is the lesser amount), if your horse trailer is lost, stolen, damaged or destroyed during the policy period.
Please do not hesitate to contact our knowledgeable sales advisors who can provide further details on this policy or the available bolt-on options.
Don't Own Your Own Horse?
If you don’t own or loan your own horse but still ride regularly, we offer a range of rider insurance policies to provide you with personal accident, public liability cover and custodial liability cover.
Remember: some competitions require you to be insured for third party liability, whereas some provide a minimal liability insurance policy included in the payment of the entry fee. Often the amounts and conditions of the provided insurance are limited and you may want to carry your own comprehensive or additional liability insurance to be sure you have enough cover to keep you protected from unexpected costs.
Get in touch with one of our equine specialists if you have any questions or queries about our horse insurance products.
With horse-loving staff and an award-winning track record we hope Animal Friends will be the insurance provider for you! Don’t forget; donkeys are covered under our equine policies too – just select donkey in the breed menu!