Our SEIB Horse Insurance Review 2021

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SEIB has over fifty years of experience in horse insurance starting as South Essex Insurance Brokers in 1963.

Horse Insurance is still one of its core offerings, and as a specialist equine insurer, its areas of coverage are widespread. As well as providing personal equestrian cover, including horse insurance and rider insurance it also includes coverage for equine-related businesses.

SEIB’s mantra is to provide their customers with excellent customer service through delivering on promises and always trying to exceed expectations.

Heavily involved in the Horse sector, SEIB also donates 5% of its commissions to the British Horse Society (BHS) which is the UK’s largest equine charity.

SEIB Standard Policy Features

brown horse in a meadow

SEIB, as a specialist insurer, understands where the vital focus on policy features lies. Vet fees, for example, have a wide range of different limit and excess levels (7) to select from. Maximum coverage is £5,000 per incident and up to £7,500 for colic surgery. SEIB is one of only a couple of providers offering extended colic cover.

Public liability of up to £5 million is available through their online quote system. It is one of the highest levels on the market. Up to £20,000 personal accident with £1500 dental cover is also available.

The online quote system is straightforward to navigate: One form covers both standard and veteran horse, and all features are available as there is no premium version of insurance to complicate the user experience.

SEIB Equine Policy Strengths

As specialist equine insurers, SEIB has an expert team who are also owners and riders. As such, by understanding the risks involved, SEIB is well placed to impart knowledge that will help correctly tailor a horse insurance policy.

As well as high maximum limits on important policy features like Vet fees and third-party liability, SEIB’s plan was the cheapest that we compared for a standard set of options with a lower risk activity.

How Much Does a Horse Insurance Policy Cost from SEIB?

We compared policy quotes from different equine insurers using a standard set of variables; a 7-year old mare, valued at £4,000 used for hacking activities and stabled at a WA16 postcode. The same bolt-ons with closely aligned cover levels apply on all quotes. It included vet’s fees, public liability and personal accident cover.

SEIB came out with the cheapest quote in our research at £66.25 per month and included the following extras and maximum levels:

Public liability: £2,000,000/£250 Excess

Personal accident: £10,000

Saddlery and tack: Up to £1,500/£100 Excess

Permanent loss of use: 75%

Vet’s Fees: £3,000/£250 Excess

Deft, theft or straying cover: included

Other Horse Insurance Related Products

As well as horse insurance, as a specialist equine insurer, SEIB provides the following horse-related insurance products to give balanced horse sector coverage.

Personal Equine Insurance

  • Horse trailer
  • Horsebox
  • Sport horse
  • Equestrian property

Business Equine Insurance

  • Livery Yard
  • Riding school
  • Riding club
  • Tack shop
  • Equine specialist

Customer Feedback and Ratings

SEIB does not have a presence on Feefo or Trustpilot where customers can leave their reviews. Facebook does provide a useful reference for feedback from customers. On the review section of SEIB’s Facebook page, there are plenty of comments that have allowed us to complete part of our SEIB equine insurance review. 

The overall feedback on Facebook is positive, with an overall four-star rating. Particularly positive feedback relates to both the payment of claims for veterinary treatment and prompt action when a horse trailer or horse transportation has broken down. The emergency claim and breakdown numbers are easy to find on the SEIB contact page, which is great for existing customers.

Additional Information

South Essex Insurance Brokers Ltd


Correspondence Address:

SEIB Insurance Brokers, North Road, South Ockendon, Essex, RM15 5BE

All Enquiries

Call: 01708 850000

Emergency Assistance

Emergency horse claim: 07747 458 486

Horsebox and trailer breakdown: 0345 873 4928

Opening hours:

Monday – Friday: 9 am until 5.15 pm

Saturday: 9 am until 12 pm

Sunday: Closed

Authorised + regulated by the Financial Conduct Authority

Company Registration Number: 479477