As horse owners, we are all too well aware how delicate these animals can be. One minute everything’s tickety-boo and you’re raking in the rosettes, next thing you know your horse has had an unlucky kick in the field and a vet bill is coming your way. We all know that the sport is full of highs and lows and the last thing that you want is financial stress on top of an already stressful situation, so it’s best to be covered by an equestrian insurance policy so that you have peace of mind that your best friend is covered when things don’t quite go to plan.

Choosing the best equestrian insurance company can be tricky since there are so many companies out there, before you begin your search it’s important that you consider what cover you need. This depends on what you plan to do with your horse; for example it will be lower if you are happy hacker and higher if you are an eventer or hunter. To help you with your search, we’ve put together a list of the insurance companies for providing equestrian insurance services in the UK for both horses and riders.

Petplan Equine

Petplan are one of the most reputable and popular horse insurance options in the UK. They have been perfecting animal cover for over 40 years. Whether you are a first time owner or a serious competitor, their policy can be tailored to suit everyone’s needs, with a variety of optional benefits. They also offer rider insurance for those who don’t own their own horse as well as veteran insurance, for horses aged between 17 and 40.

KBIS

KBIS British equestrian insurance are one of the UK’s leading equine insurance companies and offer one solution for all of your equestrian insurance needs. From horse to home and rider to lorry, they cater for all with over 25 years of experience and an efficient claims process.

E&L

E&L have been in the business for over 70 years and they offer niche equestrian and livestock insurance. They understand that nobody understands your situation more than you, so they offer what they call a ‘pick n mix’ approach to horse insurance so that you can tailor your policy to your equestrian needs. They also offer policies to horses over 20 years of age, including vet fees and even dental treatment for you.

Horse-insurance.co.uk

Horse Insurance is one of the most favourite equine plan providers in the UK and specialise in equine insurance. Their policies can be tailored and they offer a great introductory discount of 40% with an extra multi-horse discount of 5% - a good option for riders with more than one horse in action. You can choose from your own benefits and they offer vet fees up to a maximum of £4000 per incident.

NFU Mutual

NFU Mutual are another long standing insurance company that offer a variety of insurance options, including equine insurance. For horse owners and riders, their equine insurance provides cover to keep you and your horse looked after when your equine friend gets into a scrape. They offer horse insurance, rider insurance, horsebox insurance and veteran horse insurance.

Choosing the right insurance company really depends on your individual needs and your horse, hopefully our list of some of the best in the UK will help you narrow down your search and find the best policy provider to keep you and your horse protected while horse riding in the UK.