The best horse insurance

Digby Bodenham By Digby Bodenham

Compare the best horse insurance companies

We’ve compared the best horse insurance companies to help you make a decision about getting cover.

Get a quote from these horse insurers by clicking on their name.

Horse insurance company
Maximum vet fee limit
Age of horse on standard policy
Excess
Discounts
Animal Friends
Up to £6,000 per condition for 365 days from the initial onset of a condition
30 days to 20 years
£250 or £500
10% Multi Pet Discount
E&L
Up to £5,750 per incident
31 days to 15 years
Vet fee excess is 17.5% with a minimum of £149
30% introductory discount and 5% multi-pet discount
PetPlan Equine
Up to £5,000 per condition
30 days to 25 years (policy must be taken out before horse is 20 years old)
£145 or £500 on vet fees
One month free if bought online
KBIS
Up to £5,000 per incident or up to £7,500 for colic surgery
90 days to 30 years
Vet fee excess can be £155 to 15% up to a maximum of £750
No discounts at time of writing
Stoneways Insurance
Up to £5,000
Minimum age unknown to 16 years
Up to £150 Excess per incident
No discount
Horse-insurance.co.uk
Up to £3,000 per incident
31 days old to 20 years - after 20 years no cover for illness or disease
Vet fee excess of £160
40% introductory discount

NFU Mutual is another popular horse insurance company, however, you can only get a quote by calling or going into one of its offices.

The British Horse Society (BHS) offers members a discount through broker SEIB.

Some of these companies offer separate policies for veteran horses and ponies. For example, E&L has a separate policy for horses and ponies over the age of 15, which can include up to £6,000 of vet fee cover.

Leisure Guard’s horse insurance policy is offered by E&L and offers very similar cover so we have not included in the table. Its total introductory and multi-pet discount is 25%.

Horse-insurance.co.uk’s policies are also provided by E&L.

Unlike our other guides to insurance, such as our list of the best pet insurance for dogs and cats, we could not find any horse insurance ratings from financial review firms so we’ve created the comparison table based on key policy features.

The table covers policies for horse owners; horse rider insurance is a separate policy. Find out more about it and other cover, such as horse trailer insurance, below.

Horse rider insurance

Horse rider insurance is designed for people who enjoy riding but do not own a horse or pony.

The main things it aims to cover are liability (which can cover a claim if the horse being ridden injures someone or damages property), personal injuries to the rider, accessories such as saddles and tack, and a limited amount of vet fees.

You can get quotes for horse rider insurance from E&L, Animal Friends and PetPlan among others.

Policies can include a few other benefits, for example, they can cover costs of private education if a child misses school because of an injury.

Most policies cover children from the age of five and adults up to 65 or 75 years old, depending on the insurer.

If you are an older rider it is worth checking the upper age limit because not all companies cover people up to 75 years old. Animal Friends says it covers people from five-years-old upwards, PetPlan covers ages up to 75 and E&L is up to 65.

Most companies offer policies tailored to different age groups.

Horse rider insurance is not a legal requirement but some competitions do ask riders to take out liability insurance. Some competitions and events offer liability insurance as part of the entry price but their cover levels may be lower than those of a full horse rider policy.

It’s worth considering horse rider insurance if you ride regularly and are concerned about seriously injuring yourself or losing control of a horse that then causes an accident.

Horse owner insurance

Insurance for horse owners can also include liability and personal injury cover, however, it is usually focused on vet bills because they can be expensive and they’re the responsibility of the owner.

As you can see from the table of the best horse insurers, most companies offer about £5,000 of vet fee cover per condition, although PetPlan and E&L offer higher levels of cover.

Animal Friends also offers cover for donkeys.

Per condition horse insurance means you have a set amount of money to treat a condition and when you reach the limit of the cover you will not receive any more money from the insurer for that issue. If the condition reoccurs you will not receive a payout for it if you have already reached your policy limit.

If your horse suffers from a separate illness or injury you will be able to use another pot of money from your insurer to treat that condition.

Another key feature of insurance for horse owners is ‘loss of use’. It can pay out if your horse sustains an injury or becomes ill and cannot take part in the activities it was insured for, for example, hacking, competitions or breeding.

Some policies may only pay out the full amount if you decide to put the horse down. If you retire the horse an insurer should pay out a percentage of your loss of use limit.

Another part of horse insurance can pay out if your horse dies. The owner can set the value of this cover - it does not have to be the same as the amount you paid for the animal – and it will affect the cost of your insurance premium.

Most horse insurance companies allow you to pick and choose cover options. This can make it easy to tailor policies to your requirements and keep costs down by excluding some forms of cover. However, it’s important to include features that are key to your needs and not to strip back the policy so much that it doesn’t offer a reasonable level of cover.

Think about all the activities the horse will be used for before you take out a policy. Most insurers will ask you to select a group of activities. Include any activities your horse or pony may take part in at any point in the policy year. If you buy insurance and then take part in events your insurer was not expecting you are likely to invalidate your cover.

You can research cover options and get quotes on PetPlan, E&L and Animal Friends’ sites.

Horse insurance can include several other features, such as replacement cover, which offers a replacement horse if yours is injured or ill.

Companies like KBIS offer related lines of cover such as bloodstock, farrier and event insurance.

Horse trailer, box and lorry insurance

Animal Friends, E&L and PetPlan all offer a horse trailer cover add-on and PetPlan can also cover horse-drawn vehicles.

Some horse insurance specialists also cover horseboxes but this is usually offered as a separate policy and some specialist motor insurance companies also provide it.

NFU Mutual, KBIS and SEIB have horsebox insurance and breakdown policies. As do motor insurance firms like Adrian Flux. Breakdown and European cover may be optional extras so you’ll have to actively select them if you think they will be useful.

Horsebox insurance comes with its own exclusions and terms and conditions that are worth reading before you take out a policy. For example, there may be weight restrictions on what it can carry and you may need to keep a wheel clamp on the trailer when it is parked.

Check out our guide to the best car breakdown companies.

How to get cheaper horse insurance quotes

If it’s the first time you’re buying horse insurance most companies will offer an introductory discount along with online and multi-horse reductions if you’re getting cover for more than one animal.

These can be significant - some insurers offer up to 40% off in total. However, be aware that discounts may only apply to your first year of cover so when it comes to renewal your premium may jump to the standard price.

You can also play around with cover options and levels to lower costs. As your horse gets older you may want to reduce cover for death. But do not cut cover that is particularly valuable to your needs; with insurance, you get what you pay for so cheap policies may not offer quality cover.

When it comes to renewal, do not be afraid to ask your insurer for a better price if you feel it has increased unfairly. You can shop around but be aware that conditions you have claimed for on an existing insurer may not be covered by a new provider.

How much does horse insurance cost?

The cost of horse insurance depends on individual factors such as the age of your horse, where it is kept and what it is used for. The price will also be affected by your age and experience.

Horse rider insurance can be inexpensive, for example, under £10 a month.

Horse owner insurance will vary depending on the options you choose. It could be around £50 a month or even higher if you want comprehensive cover for an older horse. If you just want liability and vet fee cover it may cheaper than that.

Get a quote from companies like Animal Friends, E&L or PetPlan to find out how much your premium will be.

Horse insurance reviews

We’ve reviewed E&L here and we’ll be adding more providers soon.

We’ve reviewed Animal Friends and PetPlan’s pet insurance products.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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