Our Mature Horse Policy offers

generous levels of cover for your horse or pony aged 15 years and over

Key Features


Our Mature Horse policy is designed to cover veteran horses age 15 and over.  This excellent Policy covers your horse for the rest of it's life no matter how long that may be, so worrying about having to be moved from policy to policy as they get older is a thing of the past.  Loss by theft or straying, third party liability cover, tack cover and personal accident to the rider are all included under the generous economy cover, which can be purchased for as little as £88.60 for the year, inclusive of all additional fees.  If you require additional cover, you will find optional extras such as Accidental death, Veterinary Fees and trailer cover are also available.  We are also able to offer an excellent Legal Protection insurance package administered by Lawshield UK for a small additional premium.  

 

 Veteran Horse Head

 

Cover Can Include:-
  • Veterinary fees cover of up to £2,000 per year, with a low fixed excess of £130.00.
  • Veterinary Fees cover for illness and disease available up to age 20.
  • No upper age limit; our policy will happily offer cover your horse for the rest of its life.
  • Personal Accident to the Rider cover up to £10,000 included as standard.
  • Authorised surgical costs not limited to a percentage of the claim.
  • Tack stored at your home address included as standard, additional cover and cover at another location also available.

 

Overview

Policy Features

Loss by Theft or Straying/Hire of Replacement Horse - Covers the horse for its value at the time of loss, up to a maximum of the sum insured. Cover for advertisement of the lost horse which leads to a recovery up to £250 also included. Also covers costs for hiring a replacement horse in the event of theft.

Personal Liability - Will cover you for claims made against you and your horse following death or injury/illness and loss or damage to material property, if you are proven to be negligible.

Tack - Covers your horse's riding tack, whether stored at home or at the stabling address.

Veterinary Fees - Will cover your horse up to £2,000 for veterinary treatment following an accidental injury, illness or disease up to the age of 20. Cover for accidental, external, visible injuries is available for horses aged 20 or over.

Personal Accident - Will cover you or anyone you authorise to ride the horse against capital benefits.

Accidental Death of the Horse - If chosen, covers the horse following death caused by accidental, external, visible injuries for its value at the time of death, up to a maximum of the sum insured.

Horse Carriage/Trailer - Will cover your horse trailer, carriage, training trap and similar units used for pleasure.

FAQ

Will my policy cover my daughter whilst she is riding my horse?

The policy will indemnify anyone that rides your horse providing they have your consent and no money changes hands.

Do I need to tell you if my horse sees a vet, even for something minor that I don't wish to claim for?

You must tell us of all times your horse receives any veterinary attention, whether you believe it to be minor or not. Failure to disclose may well cause problems in the event of a claim. The only exception to this is taking your horse to the vet for their regular vaccinations/worming/rasping.

My Vet has told me that my horse needs surgery, am I able to tell them to proceed?

Unlike insurance cover provided by some other insurers, at Horse and Rider surgical costs are not limited to a percentage of the claim. However, authorisation for surgery must be sought before proceeding, unless immediately necessary to preserve the life of the horse. Unfortunately, it is not unknown for some Veterinary Surgeons to recommend invasive surgical procedures before considering a more conservative approach. You will be surprised how effective a couple of months of box rest can be!

How can I make a claim?

In the unfortunate event of you needing to claim under your policy, you should contact us a soon as possible and provide details of what has happened, when it happened and which policy section you wish to claim under. At this point you will be issued a claim form, and you may also be requested to supply additional documentation from your Veterinary Surgeon, for example the horse's medical history or a post mortem report in the event of a death claim. Once you return these to us, the Underwriters will then process your claim and once treatment is complete a settlement cheque will be issued. We pride ourselves on giving our customers the easiest possible experience when it comes to making a claim. The majority of claims are also dealt with in-house, so there is no waiting around.

Documents

Please find below a link to our Terms of Business for your information. Should you require any more details that cannot be obtained from these documents, please give us a call and we will be happy to talk things through with you.

Terms of Business (pdf)

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Call 01926 468 770 for a quote, or alternatively click the big green button to get us to contact you at your convenience!

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