Insure more than one horse with us and you will be eligible for an extra 10% discount on each of your horse insurance policies. The multi-horse discount is either applied at inception of any new horse policies or at renewal of existing horse policies.

£2.71 per Lunar Monthly premium based on a horse under 20 years old valued at £500 on a Type of equestrian activity 1 policy, with the customer located in York and including an introductory discount.

£77.66 per Lunar Monthly premium based on a horse under 20 years old valued at £15,000 on a Type of equestrian activity 1 policy with the customer located in York.

A Lunar Monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

What does horse insurance excess mean?
An excess is the part you pay towards a claim.

How does horse insurance excess work?
With our horse insurance policies, there’s no excess to pay on our Standard Benefit, but there are three Optional Benefits where you need to pay an excess:

• Vet’s Fees
• Saddlery and Tack
• Public Liability (Standard)

For example, if your horse requires vet treatment, we will deduct the fixed vet fees excess off the money we pay you.

There is no excess payable for claims under the following Optional Benefits:

• Complementary Therapy
• Referral Vet Transportation & Livery
• Disposal Costs
• Loss of Use (Permanent Incapacity)
• Personal Accident
• Dental Treatment

You can claim vet’s fees for 365 days from when the accident happened, or your horse first became ill; you only pay the fixed vet’s fees excess once even if your horse needs further treatment during the 365 days.

If you have a horse insurance policy with us, you can view your excess amounts within your Policy Schedule.

What age does my horse have to be in order to be covered by the horse insurance policy?
We offer two types of horse insurance policies: our horse insurance covers foals from 31 days old all the way to the day before they turn 20 years of age. Our veteran horse insurance policies can start on your horse’s 20th birthday.

Are there any age limits for the rider of the horse?
Any rider of the horse must be between 5 & 75 years old.

What is the maximum value that you insure a horse?
A horse can be insured for up to £15,000.

How long can I claim vet's fees for?
If you’ve chosen to add Vet’s Fees to your policy, it covers both treatment and/or complementary therapy for up to 365 days after your horse suffered a veterinary incident. You choose the maximum amount of vet’s fees cover, noting there is a separate lesser “inner limit” for complementary therapy.

What is a veterinary incident?
A veterinary incident begins the moment your horse is injured or first shows signs clinical signs of an illness or condition. Any diagnoses your vet makes during its investigation or treatment will be considered as a single veterinary incident.

For example, your horse is limping and acting stiff under the saddle. Your vet diagnoses Navicular Disease and Kissing Spines. Whilst resting in a stall to recover, your horse becomes stressed and develops Equine Gastric Ulcer Syndrome (EGUS). All three conditions would be treated as a single veterinary incident.

Does your policy cover if my horse is ridden by someone else?
Cover is provided for anyone with your permission aged 5 to 75 years riding, leading, handling or caring for your horse. Public Liability cover excludes death or bodily injury, loss or damage to any property owned by you, any person handling your horse with your permission or consent, any person that lives with you, any member of your family, your agent or licensee, any person in the course of their employment or under a contract of service or apprenticeship with you, guest, employer or any person with whom you have a contractual or business relationship.

What does Personal Accident mean?
You sustain an accidental bodily injury whilst riding, handling, caring for, or interacting with the horse that results in your death, loss of hearing, limbs, or sight, or renders you totally permanently disabled for a consecutive period of 365 days.

Do I need to tell you if I have an existing medical condition?
Yes. You must tell us about any medical conditions you have because it may affect the terms upon which you can obtain insurance or any claims you may need to make.

What should I do if anything happens that could result in a third-party claim against me?
Firstly, don’t panic! We are here to help. Call the Public Liability claims team on 03300 243 364 to let them know what has happened. They will send you an Incident Report Form to complete and talk you through what happens now. It is important that you don’t admit responsibility, pay a claim, or negotiate with anyone.

What is the excess on the horse policy?
An excess applies to claims under the following sections of cover:

• Vet's Fees: £295 fixed excess
• Saddlery & Tack: £85
• Public Liability: £250

How do I protect my saddlery and tack from theft or damage?
When not in use, please click here for our security requirements for saddlery and tack.

Are there any requirements for vet certificates and x-rays when a policy is taken out?
A 5 stage vet certificate is required for all horses valued at £5,000 or more. The certificate must be no more than 2 months old. If the horse is unbroken, a 2 stage vet certificate may be supplied instead.
If the horse is valued at £10,000 or more, in addition to a 5 stage vet certificate, we also require x-rays of the forefeet, fetlocks and hocks, no more than 2 months old.

Will you want to see the horse's body in the event of my horse's death?
No, however, you must arrange and pay for a vet to certify the cause of death. The vet must make a post-mortem examination at your expense if the cause of death is unknown.

Do I need to get your agreement before my horse is euthanised?
This really depends on whether the need to euthanise your horse is an emergency or not.

If your horse has sustained an injury or developed an illness that is so severe euthanasia is required to relieve their excessive and unrelievable pain and suffering, then you don’t need our permission before your vet performs the euthanasia.

However, if your horse's severe and unremitting pain can be managed in the short-term by medication, but where both you and your vet agree that long-term pain management is not possible and there are no other treatment options or your horse can't be retired with a reasonable quality of life, you must inform us before euthanising your horse.

However, we do have conditions that you must follow, which are set out in Sections 1A – Emergency Euthanasia and 1B – Non-Emergency Euthanasia of the Policy Wording.

What do I have to do if my horse or my saddlery and tack is missing?
You must tell the police immediately upon discovery that your horse or your saddlery and tack has been stolen or is missing and obtain a crime reference number. Once this has been done the crime reference number and details need passing to us as the insurance company. You must do everything you reasonably can to recover your horse or your saddlery and tack.

Am I covered for competing with my horse?
Yes, the policy allows you to compete - ensure that you select the appropriate type of equestrian activities when going through the quotation.

Is the dental treatment for me or my horse?
Section 9 – Dental Treatment is for your teeth; Section 2 – Vet’s Fees is for your horse’s teeth (but doesn’t cover the removal of wolf teeth).

Does the policy cover physiotherapy for my horse?
Yes, if you have chosen to include vet’s fees on your policy with the Vet’s Fees Optional Benefit.

We consider physiotherapy a complementary therapy alongside acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, remedial farriery, shockwave, and ultrasound therapies.

It must be carried out either by your vet, or a qualified practitioner (who is a member of a recognised association) recommended by your vet.

And remember – complementary therapy has a separate lesser “inner limit” in Vet’s Fees.

What does Loss of Use mean?
There are two types of Loss of Use:

• Complete – where your horse cannot undertake any functions for which it was vetted and insured, and it is put to sleep
• Partial – where your horse cannot undertake any functions for which it was vetted and insured but can undertake other equestrian activities, or you choose to breed or retire them.

The settlement offered to you will be different depending on your Loss of Use category.

Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.