Insurance overview
As an equine insurer, we realise that the needs of veteran horses and their owners are different. This means having the right insurance in place should anything happen.
With our Veteran Horse Insurance you can include features such as vet's fee cover and personal liability, providing the protection you need.
And should you need to make a claim, our dedicated Equine Claims Unit will be on hand when you need us.
A choice of what's covered:
- Loss of a horse by death by accident, theft or mysterious disappearance - included as standard: up to £500.
- Livery fees up to £10 a day if you have to go to hospital for more than 72 consecutive hours, up to £1,000.
- Holiday cancellation fees if your horse needs life-saving surgery - included as standard: up to £1,000.
- Legal costs to provide you with advice and help with the cost of legal representation - included as standard: up to £50,000.
- Rescue costs - included as standard: up to £750.
- Advertising and rewards costs in the event of loss - included as standard: up to £750.
- Irrecoverable competition entry fees - included as standard: up to £750.
- Collection charge - included as standard: up to £250.
- Optional: Legal liability for your horse as owner and/or rider for injuries to others or damage to their property from £2.5 million.
- Optional: Vet's fees for each incident following an accident and can include complementary and alternative treatments, transportation costs by a registered equine transport company and hospital livery costs: up to £3,000.
- Optional: Personal accident for riders aged 5 to 75 years old.
- Optional: Tack, horse trailers and horse-drawn vehicles.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Any existing injury you are aware of which has been diagnosed or being treated before your cover starts, or is due for renewal, as outlined in the policy wording.
- Any illness, disease or condition.
- Euthanasia that was not needed on immediate humane grounds within the current British Equine Veterinary Association (BEVA) guidelines, or without our written consent.
- Vet’s fees when investigating or treating behavioural problems, unless directly due to a physical condition covered by the policy.
- Any activity you undertake which is not within the class of use outlined in your policy schedule.
- Racing as a professional under the rules of any governing body.
- Liability relating to any business, professional or trade use.
- Theft as a result of deception or due to fraudulent scheme, trick, device or false pretence, or loss following an ownership dispute or animal welfare intervention.
This is not an exhaustive list. We can explain full details of cover and the limits and exclusions that apply to help ensure it’s right for you. You can also find more information in the Important documents section.
