Horse and Rider Insurance | Cover and Quote

Insurance for the rider and horse in one policy

Horse & Rider Insurance

When purchasing your horse insurance, you can choose to include Personal Accident cover for the rider. This combined Horse and Rider Insurance policy provides cover for you and the horse in one policy.

Our broking team consists of horse riders with extensive knowledge of the industry and this product area. We know that accidents happen, and we have all been involved in one from one time or another(!), which is why we understand the need to get this element of your insurance protection right.

Alternatively, you can take out a standalone Personal Accident Cover. The choice is yours.

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Horse and Rider Insurance Considerations

Why do you need horse rider insurance?

Horse riding is regarded as one of the most dangerous sports in the UK. By participating in horse riding, you are putting yourself and potential others at risk of injury. This injury could result in financial implications should you not be able to work or if you must pay for care, for yourself or the horse.

Our team of horse riders understand these risks, which is why arranging horse rider’s insurance with our advisors ensures that you are financially covered against the risk of financial losses as a result of these injuries sustained through horse riding.

There are a number of different policies available to choose from, each with its own levels of cover. We will advise you on the covers available and work together to create a horse and rider insurance policy that suits your circumstances.

Aspects of a horse and rider policy to consider are:

  • Vet Fees Cover
  • Death, Theft and Straying
  • Permanent loss of use
  • Personal Accident and Income Protection cover
  • Public Liability and third party damage cover
  • Saddlery and Tack Cover
  • Cover to replace damaged riding wear

We can also arrange insurance for a Horsebox if you require it too.

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Your Source For Horse and Rider Insurance Solutions

If you have any questions for a member of the Ravenhall Rural team, please contact us on 0345 216 3000, or complete the contact form below.

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Frequently Asked Questions

Our range of products are designed to give the horse and rider insurance protection, in the unfortunate event of an accident. Cover sections can include:

  • Vet Fees Cover
  • Death, Theft and Straying
  • Permanent loss of use
  • Personal accident cover and income protection
  • Public liability and third party property damage cover
  • Saddlery and tack cover
  • Cover for damage to riding wear

It is important to ensure that you fully understand the cover options available to allow you to make an informed decision.

Our team of equestrian advisers are on hand to ensure that you have the right product for your needs.

Your horse rider insurance premium will be determined by a number of factors, driven by the level of risk you face. The following factors will have an impact on the price of your horse rider insurance:

  • The riding activities you undertake
  • Whether you are a professional rider or amateur
  • The sums insured and limits of indemnity you select
  • Your age
  • Whether you want to pay monthly or annually – annually will usually be cheaper
  • Your claims history and how many years no-claims bonus you have

Horse rider insurance is not a legal requirement. However, given the potential for financial losses as a result of riding a horse, it is well worth considering obtaining a policy which can compensate for these losses.

If you own or ride horses as a hobby, there are many different products which offer protection against the risks you face. These include products such as horse insurance, horsebox insurance, and stables insurance.

We are also able to help arrange insurance for equestrian businesses. This includes products such as farrier insurance, tack shop insurance, riding school insurance and equine-assisted learning insurance.