Horse Insurance is complicated, there are many terms that you need to understand and conditions you need to adhere to. Horses are expensive animals and choosing the right horse insurance is crucial, as the wrong decision now could have financial consequences later.
Once you have read this review of AIUA and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
AIUA Horse Insurance Reviewed by Jonathan 08/03/2021
The agricultural Insurance underwiters agency (AIUA) as the name suggest specialise in the agricultural insurance niche. They have over 20 years experience operating in these markets and have historically worked closely with farmers to help them protect their businesses.
As well as farm combined, agriculture motor, and countryside liability, they also offer horse insurance offering equine solutions for a wide range of equestrian disciplines. AIUA Horse Insurance is sold exclusively through Insurance brokers.
AIUA are a trading name of Geo Underwriting Services Ltd who are part of the Ardonagh Group of companies. AIUA Horse Insurance is underwritten by Axa Insurance Plc.
Click on the website link to go directly to the insurance providers website. Visit AIUA's Website and Get a Quotation direct
Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by AIUA.
AIUA offer two options for vet fees cover;
£3,000 maximum benefit per period of insurance with a maximum time limit on any claim of 12 months, or
£5,000 per incident with an overall maximum benefit of £10,000 per period of insurance with a maximum time limit on any claim of 12 months.
When your horse turns 16, you are eligible for the veteran policy which covers vet fees for accidental external injury only up to £1500 per incident with a maximum overall benefit limit of £3,000 per period of insurance.
Some Horse Insurance issues can arise when a customer finds out that a particular claim is not covered. In many cases this is because the customer just wasn't aware of a particular exclusion.
It is absolutely essential that you read the policy wording carefully to make sure you are fully understand the policy you are buying. You may find our comprehensive guide to horse insurance helpful, in the meantime we have highlighted important exclusions that we think you should know about below.
AIUA do not cover:
UIUA split activities into 3 groups.
Group A covers Hacking and Elementary Disciplines.
Group B covers medium to advanced competitions
Group C covers Advanced disciplines, including Point to Point and anything that falls under the FEI rules and regulations.
(Note :- Group C has to be referred to the Insurer before it can be accepted.)
You are unable to reduce the class of use mid way through your policy. We recommend thinking carefully about what you intend to do with your horse before, choosing a category, because if you or your horse get injured taking part in an activity that you are not insured for, any claim is normally excluded.
UIUA Vetting requirements are as follows;
If your horse has been previously insured and there is no break in cover, the above vetting requirements may not apply.
You the Insured, or anyone else who has your permission to ride or handle the insured horse.
The policy covers up to £1500 for alternative treatments. This amount is included within the vet fees limit.
Alternative treatments are described as Acupuncture, Chiropractic manipulation, homeopathy, osteopathy or physiotherapy. The Alternative Treatment must be carried out either by a Veterinary Surgeon or a therapist who holds a UK recognised qualification in the subject they are providing the Alternative Treatment for.
Remedial, therapeutic and/or surgical farriery carried out by a Farrier registered with the Farriers Registration Council (FRC).
Hydrotherapy carried out either by a Veterinary Surgeon or by a therapist who holds a UK recognised qualification
The alternative treatment must be recommended by your veterinary surgeon and must be re-authorised by them at three-month intervals, from the date of the last recommendation.
If your vet is unable to confirm beyond reasonable doubt that the cause is not related to a behavioural problem, AIUA will only pay up to £1,000 of the diagnostic costs.
In respect of farrier costs, a deduction of £65 for a full set of horse shoes, or £35 for a pair of horse shoes will be made to reflect the cost of normal shoeing. If the Horse is not normally shod and is barefoot, a deduction of £40 for all four feet will be made to reflect the cost of the feet being tended to.
If your horse dies from accidental injury, illness or disease within 12 months of the incident, or has to be destroyed as per the British Equine Veterinary Association (BEVA) guidelines, AIUA will pay the market value or sum insured whichever is the lower amount.
Death from Melanomas, cancerous tumours or growths on any horse defined as grey in colour aged 12 years or over and
death by destruction of the horse as a result of behavioural problems are not covered.
Under the veteran policy, only death by accidental external injury is covered.
All policies include up to £150 to cover disposal and euthanasia costs.
If your horse is lost or stolen and not recovered within 60 days, AIUA will pay the market value or sum insured whichever is the lower amount. They will also pay up to £200 to cover the cost of advertising and any reward.
This section is optional and covers theft, accidental loss or damage of your saddlery and tack up to the market value of either a maximum of £1,000, or £2,000 depending on the level of cover chosen.
The policy does not cover clothing or personal effects, or loss or damage by wear and tear, or gradual deterioration. Theft is excluded unless it is from a totally enclosed and building with a door locked by a five lever mortice deadlock and securely locked windows.
This optional section covers 100% of the market value or sum insured of your horse whichever is lower, if your horse sustains an accidental injury, or specifically diagnosed illness or disease, which permanently prevents your horse from fulfilling the functions or duties for which it is kept and insured.
The settlement amount is reduced to 60% if your horse can still be ridden or used for breeding purposes.
Provided the incident takes place within the period of insurance and the treatment is in progress, AUIA will extend the term of this section of cover to 104 weeks, from the date the incident occurred.
The policy does not cover disfigurement which makes your horse unsuitable for showing because of its appearance, any condition which is considered a vice or behavioural problem, degenerative disease in horses over the age of 14, and or Melanomas, cancerous tumours or growths on any horse described or defined as grey in colour in any form, aged 12 years and over.
Loss of use is not available under the Veteran policy.
You can choose to cover yourself and any person riding or handling the horse with your permission against Personal Accident.
The policy covers death and or permanent disablement up to £20,000 and includes cover for dental treatment required up to £1,000.
There is no cover for anyone aged 65 and over.
You can insure up to 3 horses under the same policy.
AIUA horse insurance excludes any pre-existing conditions. These are described as;
Any Accidental Injury, Accidental External Injury, Illness or Disease that has
(i) happened before inception of the policy or the date from when your horse has been added to your policy after the inception or renewal date.
(ii) shown the same symptoms, clinical signs or diagnosis before inception of the policy, regardless of whether your veterinary surgeon confirms the past and current symptoms or clinical signs are not linked.
(iii) the same diagnosis which presents in the same or different part of the body regardless of whether your veterinary surgeon confirms the past and current accidental injury, accidental external injury, illness or disease are not linked.
The policy excludes any loss that arises from the horse being in foal and the horse has never been in foal or had a successful foaling before the current loss.
Claims relating in any way to the horse being in foal except where the attending vet deems the birth to be complicated and needing treatment in an immediate attempt to save the horse’s life.
The policy excludes cover for any Accidental Injury, Illness or Disease, or death arising from accidental injury, illness or disease that has happened within the first 14 days of the start of your horse insurance policy.
Loss of use claims are excluded for the first 30 days from inception/addition of cover which is as a result of Illness, Accidental Injury or Disease sustained by the horse, unless the loss is caused by an Accidental External Injury.
AUIA charges the following excesses
£3,000 vet fees excess £185
£5,000 vet fees excess £210 or £500
Saddlery and Tack sum insured £1,000 excess £100 or sum insured £2,000, excess £150
Personal Accident excess £100
Veteran policies excess £125
Third Party Liability excess £250
The Website provides some information about the products, but it is really designed for the broker to get a quote on the customers behalf.
Horse Insurance is complicated and there are many terms and conditions to adhere to.
However the layout of the 33 page AIUA policy wording does not help the reader. For example the text is all black with no colour coding for easier reference. The policy includes an index, but there is no summary of cover.
In readability tests, the text scored 22.5 out of 100 and was classed as very difficult to read, with a reading age of graduate level and above required, to be able to understand the policy wording.
We were unable to find any customer reviews on AIUA's horse insurance.
Currently there are no special discounts or promotions.
The AIUA horse insurance policy has good levels of cover. We awarded the policy with £5,000 of vet fees cover our 4 star rating.
We are unable to comment on how competitive the insurance is, because you have to go through a insurance broker or agent to obtain a quote.
The policy wording is a bit complicated and not the easiest to read or understand. If you are looking for above average levels of insurance for your horse, then AIUA is definately worth contacting.
That's Insurance have spent some time mystery shopping on aiua-equine-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.
Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.
Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.
Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.
The scores have been calculated as an overall percentage and shown on the three gauges. You can see how AIUA compares to the industry average. The higher the percentage the better the company performs in each area.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
We've highlighted Pro's and Cons for AIUA, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by AIUA.
We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.
Equi Policy ?3,000
Equi Policy ?5,000
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