The UK’s Best Horse Insurance Companies Compared All In One Place

Horse insurance is not straightforward. Every horse owner is involved in horse-related activities at varying levels. An all-purpose policy that may be appropriate for other animal insurance does not readily apply to horses.

Due to the considerable difference in requirements, horse insurance is far too detailed for price comparison sites to provide quotes as they successfully do with other types of pet insurance. The cheapest insurance is also not necessarily the best. Research of individual insurers is essential to get a tailored quote but with relatively few specialist insurers in the UK equine sector it raises some questions including:

  • Where do you find specialist insurance for horses?
  • How do you know who the specialist horse insurers are?
  • Which insurers offer horse policies that tightly fit your activities?
  • Are your needs complex or will an instant online quote suffice?

Our Latest Research Will Save You Hours Trawling Horse Insurer Sites

Even with friends who can recommend an insurer, there are still no shortcuts to understanding equine insurance, thankfully, WiseHorse has done the heavy lifting for you. WiseHorse has undertaken extensive research to provide you with all the information to compare the best horse insurance and make an informed decision on the policy that is appropriate for you.

What You Will Get From This Guide:

  1. A detailed comparison of policies from the top 8 horse insurance providers in 2021
  2. A comparison of cover levels of key policy features from the 8 best horse insurance companies
  3. How to use our detailed research to get the perfect horse insurance
  4. Tips to keep premiums low but enjoy maximum protection
  5. How much you should expect to pay for horse insurance
  6. A list of smaller horse insurance companies and links to their websites

Compare the Best Horse Insurance Policies From the 8 Top Providers In 2021

We have researched the main benefits and key features of the policies offered by the UKs eight top horse insurers. Using this data will help you understand if a policy initially looks to correspond closely to your horse-related needs and activities.

Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

KBIS
*High sum insured limits available online
*Extensive range of vet fee coverage
*Receive an instant online quote
*Covers 90 days to 30 years old on one policy
*Public liability
*Vet’s fees
*Permanent loss of use
*Personal accident/dental
*Saddlery/tack
*Horse trailers

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

SEIB
*Cover for high value & competition horses
*Extensive vet fee options, excess levels & co-insurance
*Offers BHS members a discount
*Specialist equine insurer for over 50 years
*Vet fees
*Public liability
*Permanent loss of use
*Personal accident/dental
*Saddlery & tack
*Legal cover

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

Shearwater
*Dedicated equestrian claims line
*A range of vet fee excess available
*Cover for death included with every plan
*Offers British Dressage members a discount
*Public liability
*Saddlery/tack
*Legal expenses
*Personal accident
*Vet’s fees
*Permanent loss of use

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

NFU Mutual
*300 local branches allow a face to face meeting
*Legal costs of up to £50,000
*No admin fees for policy changes
*Owner holiday cancellation cover

*Public liability
*Saddlery/tack
*Horse trailers
*Personal accident
*Vet’s fees
*Permanent loss of use

Read Full Our Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

Petplan Equine
*1 month free when you buy online
*0% APR, spread payments at no extra cost
*Receive an instant online quote
*Legal advice helpline open 24 hours a day
*Public liability
*Vet’s fees
*Saddlery/tack cover
*Third part liability
*Personal accident/dental
*Disposal costs
*Permanent loss of use
*Trailer/horse-drawn vehicle

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

The Insurance Emporium
*20% introductory discount
*Personalise from 14 optional benefits
*Instant online quote
*10% multi-horse discount
*Public liability
*Personal accident
*Dental cover
*Vet’s fees
*Saddlery/tack cover
*Replacement horse hire
*Permanent loss of use
*Third party liability
*Premium waiver
*European use
*Legal helpline
*Transportation & livery
*Rescue Costs

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

Animal Friends
*Pick & mix options with an easy to use online form
*Get an immediate online quote
*Death & horse theft optional, not mandatory
*An ethical insurer donating to animal charities
*Public liability
*Horse trailer cover
*Saddlery & tack cover
*Loss by theft & straying
*Rescue animal
*Personal accident/dental
*Death of horse cover
*permanent loss of use

Read Our Full Review
Insurance providerPrincipal BenefitsKey Policy FeaturesFind out more

Horse-insurance.co.uk
*40% introductory online discount
*Easy to personalise policies with optional benefits
*Receive an instant online quote
*5% additional multi-horse discount
*Personal accident
*Dental cover
*Vet’s fees
*Saddlery & tack cover
*Replacement horse hire
*Stable cover
*Permanent loss of use
*Public liability

Read Our Full Review

Compare Cover Levels On Key Policy Features from The Top Horse Insurers

As an accompaniment to our policy comparison table, this table provides an instant comparison of the cover levels available from the eight leading UK insurers on what the industry consider are the main features of a horse insurance policy.

Horse insurance providerHorse age on a standard planPublic liability per incidentPersonal Accident CoverPermanent loss of useMaximum vet fee limit per incidentSaddlery and tack maximum limit per incident
Petplan Equine
Our Full Review
30 days to 19 years£1 million, £3 million or £5 million with £250 excess£10,000 or £20,00060% or 100% of value between 2 and 16 years of age£3500 with £500 excess or £5,000 with £145 excess£5,000 with £100 excess
KBIS
Our Full Review
90 days to 20 years£1 million, £2 million or £3 million, £500 excess£5,000, £10,000 or £20,00075% or 100% of value between 3 and 12 years old£3,500 with £175 excess to £6,000 with £350 excess£10,000 with £100 excess
SEIB
Our Full Review
Up to 20 years£2 million, £3 million or £5 million£10,000 or £20,000Up to 75% the value£1,500 with £165 excess
£3,000 or £5,000 with £135 to £500 excess
£500 per item unless specified in the schedule
Animal Friends
Our Full Review
30 days to 20 years£2 million with £250 or £500 excess£10,000100% of value between 4 and 12 years old£2,000, £4,000 or
£6,000 with £250 0r £500 excess
£1,500, £3,000 or £5,000 with £100 excess
Horse-insurance.co.uk
Our Full Review
31 days to 20 years£1.25 million with £210 excess£12,500100% of the value, reduced to 50% if 13 years and over£3,000 with £170 excess£1,750 with £85 excess
Insurance Emporium
Our Full Review
30 days to 19 years£1.5 million with £250 excess£22,500100% of the value, reduced to 50% if 13 years and over£5,000 with an excess of £160£3,000 with an £85 excess
NFU Mutual*
Our Full Review
30 days to 19 years£2.5 million up to £10 millionLimit as chosen by you80% of the value£5,000£500 per item unless specified in the schedule
Shearwater*
Our Full Review
90 days to 17 yearsUp to £10 millionLimit as chosen by youUp to 75% the value£2,500 to £7,500 with a range of excessesUp to £2,000
*Where an instant online quote is not available, instead contact by telephone or email

Use Our Research to Get Perfect Horse Insurance in 6 Simple Steps

Follow our step by step process to take out a robust plan that will payout on a claim when you need it.

Step 1 Focus on what your key activities are

brown and white horse

As a starting point for understanding what cover options you need and at what level you must be sure of your primary activities. It impacts directly on premiums. Some questions that may help you identify include the following:

Competition – Will you ride competitively? If so, what activities are involved? Do you think there is a higher risk of injury for both you and your horse? Are higher levels of vet fee and personal accident cover appropriate? Which insurer is most likely to cater to complex needs and higher coverage levels?

Hacking – How often do you ride recreationally? Do you just ride in the countryside rather than creeping into built-up areas and main roads? Are the chances of your horse injuring someone or damaging property low? Will £1 million of third party liability suffice? Which insurer offers coverage for basic needs at the lowest price?

Step 2 Read our guide to horse insurance

If you are new to horse riding or want a refresher, our all-encompassing guide to horse cover is essential reading to acquire the knowledge necessary to move forward to get equine insurance quotes and ultimately, take out a robust policy. The guide is available here

Step 3 Read our in-depth horse insurance reviews on the best UK horse insurance providers

You can read our reviews on all the main horse insurance companies, a link to each is provided in the data tables in this guide. Alternatively go to the review section in the top navigation menu.

Step 4 Adjust cover levels and options you think best cover your needs

Play around with cover options and levels to lower costs to match what you believe closely reflect your circumstances and horse-related activities. Many insurers provide an instant online quote directly on their website if not, you can get a phone quote. Alternatively you can complete our easy 30 second form and you will be provided with several policy quotes from the leading providers all in one place. Later in this guide we explain seven ways to keep your premiums low while maintaining maximum coverage.

Step 5 Question the insurers

Ahead of taking out cover, it is vital to contact the insurers to get a feel for their knowledge and customer service levels, either by phone, live chat or email. Importantly it gives you the chance to ask questions about the prospective policy plan and recommendations and advice they can provide you after understanding your circumstances. Click here for the link to our guide including questions to ask potential insurers

Step 6 Take out your perfect, robust insurance

Once you are happy, take out a policy with your preferred insurer.

7 Tips to keep premiums low but enjoy maximum protection

Do not overstate your activities

The need to accurately report your horse-related activities to insurers is essential to avoid any future risk of invalidating your claim. It is more common to overstate your activities, resulting in premium payments above that of the actual risk profile. If you hack on your private land at the weekends, this is markedly different from eventing. Make sure that your activities will accurately reflect in your policy’s schedule.

Consider co-insurance

Not offered by all insurers, this lesser-known method of paying for horse treatment can be useful in keeping the cost of cover down. It works by allowing you to pay vet bills by paying a percentage of the treatment costs in addition to excess option.

Only pay for cover once

Do not include anything in your horse insurance policy that already has coverage. By keeping equestrian equipment like bridles, harnesses and saddles at home, the cover may come through household insurance rather than having to take out saddlery and tack cover by leaving any equipment in your stables or at a livery.

Also, if you are a member of an equestrian organisation like the BHS, you may already have some coverage included with the membership. Check the small print of the membership.

Consider higher excess levels

Consider more substantial excess levels on your different types of coverage. An excess of £500 will have a lower premium than a £100 excess. With vets fees, for example, an owner can probably pay a vet bill of a few hundred pounds but needs cover against any horse treatment for illness, disease and injuries that could run into the thousands.

Pay the premium upfront

Many insurers charge more if you pay your insurance premiums monthly rather than in one go. Consider paying your annual premium upfront in one payment and avoid the interest that insurance providers add to monthly direct debits.

Discounts

Look out for or ask for discounts. Although it is preferable to select a plan that is aligned to your needs rather than because it is cheap, that does not mean that discounts are not available from an insurance company. Ask directly if a discount is available on horse insurance policies; a provider will be keen to secure your business rather than see it go to a competitor.

Renewals

If you are renewing rather than taking out a new policy, consider asking the insurer for a better price, especially if you think it has risen excessively. Your insurer will not want to lose you to a competitor and may be able to improve the renewal quote.

How Much Does Horse Insurance Cost?

We used a standard set of criteria to do a compare horse insurance quotes from the eight major UK horse insurers.

The costs varied from £46 to £102 per month and the criteria were as follows. Of course, a policy, within reason, should not be chosen just on price. The breakdown for each provider is on their review page.

Quotation for a 7-year old mare with a purchase value of £4,000 and stabled at a WA16 postcode.

The price comparison bases on the following standard features:

Purchase price: £4,000

Horse’s age: 7

Third party liability: £1,500,000

Personal accident: £10,000

Saddlery/tack: £1,500

Permanent loss of use: 75%

Vet’s Fees: £3,000

Other Horse Insurance Providers

Additional insurance providers offering equine cover are listed below:

Other Horse-related Insurance Products

There are other horse-related insurance products available on the market beyond standard insurance that may apply to you. These include:

To find out more about these insurance products click directly on the relevant link or access through our product section in the main navigation bar.

Why Has Horse Insurance become More Costly?

The premium reflects the risk of insurance. If the premiums are insufficient, they will not cover the cost of payments needed to pay out claims.

Veterinary costs have been a critical driver in the rising cost in horse cover. With the advance in medical science, certain medical conditions, injuries, diseases and types of surgery previously considered as being terminal are now treatable. Diagnostical options have progressively developed. Scanning machinery is increasingly prevalent amongst veterinary surgeons, but it is expensive for the insurer and horse owner.

The cost of medical advances has seen insurance premiums creep up to allow insurers to keep providing cover. Ultimately, it is the insurer who pays the treatment costs in return for the regular premiums from horse owners.