Why is horse rider insurance important? And is it compulsory?


Horses, like any animal, can be unpredictable. Ask just about any rider and they will be able to tell you a story (or two) about a time a horse has done something they didn’t see coming. If you’re lucky, you’ll walk away from such incidents unscathed. But what about when luck isn’t on your side?


If you’re going to take risks in riding a horse, you’ve got to make sure you’ve got some personal accident cover, at the very least. That’s why taking out horse rider insurance is so important. Should you fall off a horse and injure yourself, you could be able to claim for any serious personal injuries.

That’s just one of the reasons it’s a wise move for every rider to get themselves insured. With more than 60 years’ combined experience in the insurance market, the Equesure team has seen and dealt with just about every horse-related incident you could imagine.


Is horse rider insurance compulsory?

In answer to the question in the headline, horse rider insurance is not a legal requirement like, say, car insurance. But, even if car insurance wasn’t compulsory by law, would you still take out a policy?


There’s a strong argument for it, isn’t there? If you were to find yourself in an accident that wasn’t your fault, would you be happy paying to have your car fixed? Could you afford to have it fixed if it was going to cost thousands of pounds to repair?


Those are the sorts of questions you need to ask when contemplating whether you need horse rider insurance. For a fairly modest sum each year, you could get insurance to cover you up to £20,000 for serious personal injury.

What’s included in horse rider insurance?


  • Personal accident


We’ve touched on this already. If you have an accident while riding a horse, rider insurance will usually pay out in the case of a serious injury. It’s not nice to think about, but rider insurance could act as a financial lifeline in the event you are temporarily or permanently disabled.


Bear in mind, however, that an insurer can insist that you wear protective headgear while riding. So, if you were to suffer an injury and you weren’t wearing any headgear, you might not be able to pursue a successful claim. But that doesn’t bear thinking about – it makes complete sense that you take adequate precaution.


If an accident causes you to be hospitalised, insurers will typically pay a set amount for each 24 hours you are in hospital. But it’s always wise to study your policy for the fine details so that you know what you can expect should you have to claim on it.


Usually, you can negotiate with an insurer on the upper limits of your policy. For example, if you wanted personal accident cover up to £20,000, it’s unlikely to be a problem – just be aware that you might have to pay more in premiums.


  • Emergency vet fees


It’s not only your personal wellbeing you need to think about in the event of a horse-riding accident. Your horse might also be in need of some attention. If the horse you are riding is injured in an accident and needs immediate treatment, most rider insurance policies cover vet’s fees up to a certain amount, usually between £1,000 and £2,000,


Before you claim, however, be mindful that the conditions of cover are strict and a vet must usually have to attend the scene of an accident for a claim to be successful. Meanwhile, some insurers may only pay out for external accidental visible injuries.

3 riders and their horses riding across a field together


  • Public liability


Public liability covers claims brought against you by a third-party following property damage or injury for which you are legally liable.


It’s not inconceivable that the horse you’re riding could accidentally cause damage or injury to another person or their property. If it does, you’re legally responsible for the damage.

All it needs is for your horse to be spooked by something – a car travelling too fast, for instance – and it might bolt off, leaving a trail of damage.


  • Riding equipment


Saddlery and tack is usually covered under rider insurance – but only up to a set amount, usually £1,000. You may also be able to add other pieces of equipment to your policy, such as a trailer, if you are concerned about it being damaged or stolen. These types of additions can prove smart if you have to travel to and from the place you are riding, when there is greater risk of damage or theft.


Equesure’s horse rider insurance features and benefits can include:


  • Public liability available
  • Personal accident cover up to £20,000
  • Personal dental treatment cover up to £2,000
  • Saddlery & Tack cover available on all policies up to £1,000 (single article limit)
  • Vets fees up to £1,500 (external accidental visible injuries only)
  • Permanent total disablement
  • Death of rider cover up to £20,000
  • Saddlery and tack
  • School fees
  • Custodial liability

What is the best horse insurance?


The best horse rider insurance is the one that suits your individual demands and needs and offers comprehensive cover. So, if anything was to go wrong whilst out hacking, your injuries (or those of your horse) wouldn’t be compounded by the thought of being out of pocket.


Working with a varied and trusted panel of insurers, Equesure offer clients a bespoke horse insurance policy with various options of cover to ensure the policy is right for you.


Get a no-obligation horse rider insurance quote today.

Our insurance policies at a glance:


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