horse-insurance Equestrian Insurance Review

horse-insurance Equestrian Insurance Review

Reviewed by:

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.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your equine.

Once you have read this review of horse-insurance.co.uk and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are horse-insurance Equestrian Insurance

Horse-Insurance.co.uk reviewed by Jonathan 08/03/2021

Horse-Insurance.co.uk offer bespoke horse insurance, allowing you to pick and choose from a range of options for your horse and pony, from foal to veteran.

www.horse-insurance.co.uk is the trading name of Lifestyle policy ltd who are regulated by the Financial Conduct Authority.

Lifetstyle Policy Limited are appointed representatives of the Equine and Livestock Insurance Company Ltd and all horse insurance is underwritten by the Equine and Livestock Insurance Company ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How to Buy Equestrian Insurance from horse-insurance.co.uk

Click on the website link to go directly to the insurance providers website. Visit horse-insurance.co.uk's Website and Get a Quotation direct

How horse-insurance Equestrian Insurance 's Policies have been ranked using our star rating formula?

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 horse-insurance.co.uk.

Veteran Policy Ratings Click to Expand

found no policies available for this section.

horse-insurance Veteran Insurance Review

Rider Policy Ratings Click to Expand

found no policies available for this section.

horse-insurance Rider Insurance Review

Horse Trailer Policy Ratings Click to Expand

found no policies available for this section.

horse-insurance Horse Trailer Insurance Review

Horsebox Policy Ratings Click to Expand

found no policies available for this section.

horse-insurance Horsebox Insurance Review

Horse Policy Ratings Click to Expand

We have reviewed 1 Horse Policies from horse-insurance equine Insurance. They are - Horse Insurance. We have rated these as follows:-

Rating for Horse Horse Insurance:

horse-insurance Horse Insurance Review

Key Points you need to know about horse-insurance.co.uk's policy wording

1. What are the eligibility criteria for Horse Insurance?

  • At the start of this insurance, you must be sole owner of each horse.
  • You must at all times take reasonable precautions to prevent accidents, illness, loss and damage.
  • You must inspect the insured horse daily, have it wormed regularly and use recognised precautions to protect the animal from infectious and/or contagious disease, for example isolation and vaccinations.
  • You must check the fences, barriers, paddock boundaries and enclosures regularly and maintain them in good order.
  • You must check all areas regularly for glass, nails poisonous substances (such as ragwort, hemlock, deadly nightshade etc.) and other items that may cause a claim and remove them.
  • Fences should be at least 1.25m (4ft) in height and of the following construction: - post and rail wooden fencing, post and rail impact resistant plastic, post and rail solid uprights, flexi-rails (PVC or rubber coated webbing), post electric either electric tape or wire. Stallion paddocks require a double fence line of 1.5m (5ft).
  • The following are not sufficient barriers/paddock boundaries unless reinforced by additional fencing as set out above: - banks and ditches.
  • Any tack used in controlling the insured horse must be properly fitted, applied and manufactured and in a sound state of repair. Make sure all leather work, nylon webbing and so on is not rotten, frayed or in poor order.
  • You promise that to the best of your knowledge and belief, the insured horse is sound and in good health at the start or renewal of insurance and the insured horse has had no illnesses (including previous bouts of colic), injuries, behavioural difficulties, vice or physical disabilities.
  • You promise the insured horse will only undertake those activities listed in your chosen type of use. A breach of this promise will mean that any claim may not be paid.
  • Your horse must be older than 31 days and under the age of 20. (Horses over the age of 20 fall under the veteran policy).

2. What do horse insurance vet fees cover?

Horse-Insurance.co.uk cover vet fees up to £3,000 per incident in respect of accident, injury, illness or disease, or for a maximum of 12 months whichever limit is reached first.

3. What's not covered?

Many complaints about insurance arise because a claim is declined or the settlement amount is less than the customer was expecting. A number of these are caused as a result of the customer either not reading the policy wording or understanding the meanings of the terms and conditions that have been applied to the policy. 

It is important that you read the policy wording carefully to understand what is and isn't covered. We appreciate that not all policy wordings are easy to understand and Horse-Insurance.co.uk have less terms and conditions that some other horse insurers, but to assist we have highlighted some of the important exclusions.

Horse-Insurance.co.uk do not cover;

  1. Any treatment relating to or as a result of castration, or protective inoculations
  2. Any surgical procedure or general anaesthetic that was not notified to the Insurer, unless a qualified vet certifies that an Emergency or operation was required out of office hours.
  3. The cost of any dietary, nutritional or feed supplements.
  4. Any claim as a result of a scar or blemish.
  5. No illness cover for horses aged 20 years and over.
  6. Any vet fee amount above the sum insured value for horses aged less than 1 year old.
  7. The cost of routine horse shoeing or trimming. The Insurer will deduct the cost of the insured horse’s normal shoeing from any settlement of remedial farriery fees. Deductions are made at £12.00 per foot for each treatment, or £40.00 for a full set of 4 shoes fitted during the same visit.

4. What activities can I insure my horse for?

Horse-Insurance.co.uk split insured activities into two groups;

Group A - covers Hacking, mounted games/gymkhanas, showing, driving, Pony Club & Riding Club (excluding cross country), breeding, showjumping, dressage, heavy horses, western riding, foals over 30 days.

Group B - covers all the above plus hunting, hunter trials, drag hunting, polo, polo crosse, long distance/endurance riding, cross country, horse ball, trec, vaulting, team chasing, jump cross, rodeo and barrel racing.

If there is an activity that is not mentioned, you should contact the Insurer direct for clarification.

5. What are the Insurers vetting requirements?

The Insurers require reports and or vetting certificates depending on the age and value of your horse as follows:

A 2 Stage Veterinary Certificate must be provided for any horse under 3 years of age, or unbroken, with an insured value of £5,000 and above.

A 5 Stage Veterinary Certificate must be provided for any horse age 3 and over, or broken in, with an insured value of £5,000 and above. The required Veterinary Certificate must be no more than 2 months old. Cover will be null and void if the certificate is not received within 21 days of policy inception.

If the insured value of the horse is £10,000 or above in addition to a 5 stage Veterinary Certificate, they will also require x-rays of:
- The forefeet (upright pedal and lateral view).
- Fetlocks (front & back view - Dorso Palmar view Medial to lateral view of each front fetlock, Dorso Plantar view - medial to lateral view of each hind fetlock).
- and Hocks (4 standard views).
Cover will be null and void if x-rays and certificates are not received within 21 days of policy inception.

6. Who is covered to ride my horse?

You and any rider who is riding your horse with your permission.

7. Does the policy cover complementary treatments?

Non-standard or complementary treatments are covered up to £1,000 and this is in addition to the vet fee limit.

Treatments include laser treatment, acupuncture, hydrotherapy, remedial shoeing, physiotherapy or ultrasound.

8. Will the policy cover me if my horse dies?

The Horse-Insurance.co.uk policy will pay up to the market value or sum insured whichever is the lower, if your horse dies or is euthanised for humane reasons due to an illness or injury, or within 365 days of an illness or injury.

Euthanasia must take place in accordance with BEVA guidelines.

The policy excludes death as a result of illness where the insured horse is aged 20 years or older.

If the insured horse dies, you must arrange and pay for a qualified vet to certify the cause of death. The vet must carry out a post-mortem examination at your expense.

9. Does the policy cover the cost of disposal?

Horse-Insurance.co.uk cover up to £200 for disposal costs in relation to your horses body.

10. Will the policy cover me if my horse is lost or stolen?

The Horse Insurance policy pays up to the market value or sum insured whichever is the lower if your horse is lost or stolen and not recovered within 28 days.

You must report any theft to the policy within 24 hours and there is help with advertising or reward costs.

11. Does the policy cover saddlery and tack?

This section is optional, but if selected will cover up to £1,750 of saddlery and tack (with a single article limit of £1,000) if it is lost, stolen or damaged by any accident that is insured. The settlement amount is based on the original cost price less depreciation, or the market value, whichever is less. Any loss must occur during this period of insurance.

Tack is defined as saddles, bridles, harness and other riding tack normally attached to the insured horse for riding, driving, leading or lunging or while the insured horse is at grass. Any damage will either be repaired or replaced.

This section excludes;

Theft from a building:
(a) that is not totally enclosed and secure; and
(b) that is not a permanent substantial structure of brick, stone or timber; and
(c) with doors that are not kept secured by a patent 5-lever mortice deadlock
or
(d) windows not secured by patent window locks. The theft must have involved violent and forcible entry to the building

Theft from an unattended vehicle or horsebox and any unexplained damage or disappearance.

12. Can my horse be covered against loss of use?

This section is optional, but if selected will cover you if your horse has an injury or illness that permanently prevents it from carrying out the functions you keep and insure it for. The illness or injury must start or happen during the period of insurance.

Horse-Insurance.co.uk will pay up to the sum insured or market value whichever is less if:
• the insured horse cannot be used for any form of equestrian activity;
• and you do not choose to keep the insured horse in retirement.

Or will pay 60% of the sum insured or market value whichever is less if:
• the insured horse can be used for any form of equestrian activity or you elect to use it for breeding;
• or you choose to keep it in retirement

Any settlement amount is halved for horses aged 13 years and older.

This section excludes Permanent incapacity as a result of any surgical operation or injury or general anaesthetic, unless done as a result of injury or illness.
Permanent incapacity following treatment given by a person who is not a qualified vet or qualified practitioner recommended by your vet.

13. Does the policy cover me against Personal Accidents?

If you or someone with your permission whilst riding, leading or caring for your horse, sustain bodily injury the policy will pay out £12,500 if you die or are permanently disabled.

This includes cover for dental treatment required as a result of the injury.

This section excludes any claim whilst you or someone with your permission are under the influence of alcohol or drugs, or as a result of pregnancy, childbirth, physical defect, infirmity or medical condition.

Benefits are reduced to 25% for riders under the age of 16.

14. Can I cover more than one horse under the same policy?

Yes and Horse-insurance.co.uk offer a 5% discount for insuring more than one horse.

15. Will the policy cover my horse's pre-existing medical conditions?

The Horse-Insurance.co.uk policy excludes any pre-existing medical condition. This is described as:

  • Any condition that first showed clinical signs before your horse’s cover started.
  • Is the same as or has the same diagnosis or clinical signs as an injury, illness or clinical signs your horse had before cover started.
  • Is caused by, relates to or results from an injury, illness or clinical signs your horse had before cover started.

16. Will the policy cover my mare if she becomes pregnant?

There is no cover for treatment relating to or as a result of pregnancy or foaling (except complicated foaling).

17. Is there a waiting period before I am covered?

The horse insurance excludes costs arising from or death following any injury or illness which displayed clinical signs within 14 days of the start of the policy.

18. How much of any claim do I have to pay?

The policy excesses are as follows:

Vet Fees standard excess £170 for each claim

Public Liability claims £210

Saddlery and Tack claims £85

19. How easy is the website to use?

The website is simply laid out and provides a good explanation of the different cover options available.

The company don't operate live chat, but you can phone them or email them, although there are quite a few frequently asked questions that may help.

Obtaining a quote is easy with minimal information required. The various options are displayed for you to choose, each with an explanation. The policy excesses are also provided, although had to hunt around a little to find them.

One frustrating point is that if you go back to change a detail, you have to re input all your information again.

20. Is the policy wording easy to understand?

The policy is only 12 pages long and doesn't include a summary of cover or index to help you find your way around.

There appears to be less terms and conditions than other policies, which could be a good thing, or it could be argued that it leaves more open to interpretation.

The layout is basic, but better than some other policies. In our readability tests, the layout and text scored 41.5 out of 100 and was classed as difficult to read with a reading age of between 17 - 18 required to be able to understand the content.

21. What do customer reviews say?

Feefo had received 53 customer reviews this year for Horse-Insurance.co.uk with an overall rating of 4.8 out of 5. Reading the through the reviews, the majority of customers were happy with the service provided and this included claims settlement.

22. Are there any special discounts or promotions?

Horse-insurance.co.uk offer a 40% introductory discount for all new policies.

23. Overview

Horse-Insurance.co.uk clearly specialise in horse insurance. In tests the premiums appeared very competitive for the level of cover they provided across all age ranges.

Remember that you are benefiting from a 40% discount during your first year and your premium may rise by this amount in the second year of insurance.

Horse-Insurance.co.uk offer you two options a yearly option or a lunar option. The sums insured under the lunar option are slightly higher than the annual one. This is an explanation of the difference between the two.

Yearly policy - Runs for 365 days from the commencement date shown on the policy schedule. This type of policy automatically renews annually.
Lunar Monthly - Runs for and premiums are collected on, equal periods of 28 days. This type of policy automatically renews every 28 days.

Horse Insurance is complicated and has many terms and conditions you should be aware of, It is important that you read the policy wording carefully to make sure you fully understand the insurance you are buying. If a vet fees claim is likely to exceed £1,000 or your horse requires a general anaesthetic, you must notify the Insurer immediately.

horse-insurance.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on independent-review-horse-insurance'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 horse-insurance compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for horse-insurance Policies

We've highlighted Pro's and Cons for horse-insurance , 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 horse-insurance.co.uk.

  • 5% Multi Horse Discount
  • 40% introductory discount for new horse insurance policies
  • Includes £500 for recovery costs
  • Non Standard Treatments up to £1,000 in addition to the vet fees limit.

No Con's

What Cover do horse-insurance policies offer.

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.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Horse Insurance

    Horse

Primary Cover toggle

  • Policy Excess
    Policy Excess

    170

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    3,000

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    3,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    12,000

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    12,000

  • Disposal
    Disposal Explanation
    Cover Type Icon

    200

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    12,000

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,250,000

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    210

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    0

  • Personal Accident
    Personal Accident  Explanation
    Cover Type Icon

    12,500

Sample Quotes from horse-insurance.co.uk.

Listed below are some Sample Quotes offered by horse-insurance.co.uk

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Horse

Age: 1

Breed: British Warmblood

Horse Value: 2000.00

Loss of Use Included Y/N: N

horse-insurance  Travel Insurance Review
Product Rating

Experience Rating

Horse Insurance

170

Accident Only 0

Per Condition Time Limited 3,000

Maximum Benefit Time Limited 0

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 12,000

Death from Illness 12,000

Disposal 200

Theft or Straying 12,000

Advertising and Reward 0

Third Party Liability 1,250,000

Type:Horse

Age: 6

Breed: British Warmblood

Horse Value: 5000.00

Loss of Use Included Y/N: N

horse-insurance  Travel Insurance Review
Product Rating

Experience Rating

Horse Insurance

170

Accident Only 0

Per Condition Time Limited 3,000

Maximum Benefit Time Limited 0

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 12,000

Death from Illness 12,000

Disposal 200

Theft or Straying 12,000

Advertising and Reward 0

Third Party Liability 1,250,000

Type:Horse

Age: 10

Breed: British Warmblood

Horse Value: 7000.00

Loss of Use Included Y/N: N

horse-insurance  Travel Insurance Review
Product Rating

Experience Rating

Horse Insurance

170

Accident Only 0

Per Condition Time Limited 3,000

Maximum Benefit Time Limited 0

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 12,000

Death from Illness 12,000

Disposal 200

Theft or Straying 12,000

Advertising and Reward 0

Third Party Liability 1,250,000

Type:Horse

Age: 10

Breed: British Warmblood

Horse Value: 7000.00

Loss of Use Included Y/N: Y

horse-insurance  Travel Insurance Review
Product Rating

Experience Rating

Horse Insurance

170

Accident Only 0

Per Condition Time Limited 3,000

Maximum Benefit Time Limited 0

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 12,000

Death from Illness 12,000

Disposal 200

Theft or Straying 12,000

Advertising and Reward 0

Third Party Liability 1,250,000

1102.80

Full Details