Key Features

Here at Horse and Rider Insurance Direct, we pride ourselves on offering a variety of different products to suit the many different types of client we have, whether you are a horse owner or not! 

Our popular Rider Only insurance cover is suitable if you do not have the pleasure of owning or loaning your own horse, but fortunately have friends that do! Our Rider Only policy covers you for riding other peoples horses for leisure purposes, whether this be in a school or with your friend along your local dirt track.  We can cover riders from as young as 5 years old so we will be more than happy to cover your children whilst they learn.  Emergency Veterinary Fees, tack and liability cover are all included as standard.

Horse Rider Insurance


Cover Includes:-

  • Cover available for riders aged 5 to 65 years old.
  • Both 'Standard' and 'Gold' cover available.
  • Junior cover available for riders under the age of 18.
  • Up to £1500 hospital benefit cover available.
  • Emergency Veterinary Fees cover following accidental injury included with just a £50 excess.
  • Personal Liability up to £1 million included.
  • Custodial liability up to £1,000 available.


Personal Accident Cover - The policy will cover you for death, loss of one or more limbs/sight, permanent and total disablement and temporary total disablement. Hospital benefit is also included.

Dental Treatment - You are covered for emergency dental treatment following an accident.

Saddlery and Tack - If, following an accident, your own riding tack is damaged, the policy will pay for the cost of repair or replacement up to the amount shown in your schedule.

Emergency Veterinary Fees - The policy will cover emergency Veterinary Fees cover in the event of the horse suffering an accidental, external, visible injury whilst you are out riding.

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

Custodial Liability - Will cover you for the limit stated in your schedule if you are found legally liable for the injury or death of any horse in your care, custody or control caused by any accident whilst riding.


How can I arrange insurance for my 16 year old daughter?

Our policy offers cover for anyone aged between 5 and 65 years old. If the rider is under 18 years old, a parent or guardian will need to contact us to go through the quotation and, whilst your 16 year old daughter is the named policyholder, your details will also show on the policy as the parent/guardian and all documentation will need to be countersigned by you. Once the rider turns 18 years old, at the next renewal date your details would be removed from the policy.

Is this policy suitable for covering me riding my own horse?

The policy is designed to cover riders who do not own or loan a horse. Riding cover for horse owners should be covered under the horse insurance policy. However, we can still offer our Rider Only policy but be aware that it will be limited to the Personal Accident section only.

Will this policy cover me for riding lessons?

This is one of the most popular reasons why this cover is taken out. The policy will cover you for riding at a riding school or private riding lessons. The policy will not cover you, however, if the riding is in any way part of your professional occupation e.g. you are the riding instructor.


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)

Get A Quote

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

Click here for US to contact YOU for a quote