Our Pony Package offers

generous levels of cover for your eligible Pony under 15 years old

Key Features

Our Pony Insurance Package is available for eligible* horses or ponies under the age of 15 and is one of the best, if not the best value for money equine insurance package on the market. From as little as £120.40, your pony can be covered for death, loss by theft or straying/hire of a replacement horse, veterinary fees up to £2,000 per year, £500 tack at your home address and third party liability cover up to £1 million. We are also able to offer an excellent Legal Protection insurance package administered by Lawshield UK for a small additional premium.  

Cover Includes:-

  • Veterinary fees cover of up to £2,000 per year, with a low fixed excess of £100.00.
  • 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.
  • Policy will always cost less than £200 for eligible ponies.


*availability dependant upon the value, height and riding use of your horse or pony.


Policy Features

Death of the Pony - Covers the horse or pony for its value at the time of death, up to a maximum of the sum insured.

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

Personal Liability - Will cover you for claims made against you and your horse or pony following death or injury/illness and loss or damage to material property, if you are proven to be negligible, up to £1 million.

Veterinary Fees - Will cover your horse or pony up to £2,000 per year for veterinary treatment following an accidental injury, illness or disease.

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

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


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.


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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