Horse Insurance: Boost Your Riding Confidence

Why Confidence Matters for Horse Riders

Confidence is essential for any horse rider. Whether you’re a beginner or an experienced rider, growing your riding confidence will make a huge difference in how well you ride and how much you enjoy riding your horse. When you’re confident, you’re more relaxed, feel in control of yourself and your horse, and you’re far more likely to have fun at the same time!

However, many riders struggle with confidence issues, such as nerves, anxiety or even fear around riding. Concerns about accidents, injuries, and the well-being of your horse can cause anxiety and stress. This is where appropriate insurance cover comes in. By making sure that both you and your horse are protected from the unexpected, you can alleviate some of these worries. Insurance provides peace of mind, allowing you to focus on spending time with your horse and enjoying riding.

In this article, we’ll explore how having the right insurance can boost your confidence as a rider and help you enjoy your riding journey to the fullest.

Understanding Horse Insurance: Peace of Mind for Riders

Horse insurance is designed to protect you and your horse from unexpected events and expenses. Like any other insurance, you pay a regular premium, and in return, you receive financial cover for emergencies, accidents and incidents.

Veterinary Fees Cover

There are several key components to horse insurance. When riders think about insurance, they commonly think about cover for veterinary fees. This type of cover includes the cost of veterinary treatment if your horse gets injured or falls ill. Vet bills can mount up quickly, and having this cover ensures that your horse can receive the best possible care without you having to worry about the cost.

The level of cover provided for veterinary fees can vary between companies, and can become a significant cost for horse owners. Alternatively, consider insurance for accidental injury, such as that provided by Harry Hall Insurance, which offers cost-effective cover for external injuries. 

Colic Cover

Colic is a common and potentially serious condition in horses. Colic cover is a specific type of veterinary fee insurance that focuses on the costs associated with diagnosing and treating colic. Since colic treatment can be very expensive, having this cover ensures that your horse can receive the necessary care promptly, without financial stress. A fairly recent study of colic cases from 9 equine hospitals in the UK, found the average cost of colic surgery and recovery care was £6437.80 (Barker & Freeman, 2019). For example, Harry Hall Insurance provide colic insurance for horses, up to £5,000 with an excess of £500.

I have very sadly been in the situation where my horse underwent emergency colic surgery from which he did not come round, only to find that the final bill of £7500 was only partially covered by the insurance company. Being totally heartbroken and arguing with the insurance company about the veterinary fees limit, made an awful situation and outcome so much worse. I won’t make the same mistake again, and now I make sure I have sufficient cover for my horses and my own peace of mind.

Loss of Use

Linked to cover for veterinary fees, ‘Loss of Use’ insurance covers you if your horse can no longer perform its intended purpose due to illness or injury. For example, if you purchased your horse specifically to go British Eventing at 3* level, but then he unfortunately sustained a career-ending injury, this type of insurance compensates you for the loss of your horse’s use. This cover is particularly valuable for competitive riders or owners of horses competing at a high level. 

Saddle and Tack Insurance

Your saddle and tack are some of your mose valuable pieces of equipment as a horse owner and rider. Saddles are not only tricky to get right for both horse and rider, but also extremely important for confidence and adventures together. Saddle and tack insurance covers the cost of repairing or replacing these items if they are damaged, lost, or stolen. Given the investment in your tack, this insurance ensures that you can quickly get back to riding without a financial burden.

Horsebox and Horse Trailer Insurance

If you go out to pleasure rides, clinics, lessons, beach rides, competitions, training camps or simply to arena hire, then you likely have either a trailer or horsebox to get there! Gone are the days where we used to hack to shows or Pony Club! Horsebox and horse trailer insurance cover the vehicle used to transport your horse. This insurance can protect against theft, damage, and accidents involving your horsebox or trailer. Honestly, there’s nothing more demoralising than the theft of your transport or more stressful than accidental damage. Horsebox and Trailer Insurance ensures that your transport is protected, giving you peace of mind when out-and-about having adventures with your horse.

Public Liability Insurance for Horse Riders

Public liability insurance is another important type of cover. This protects you if your horse causes damage or injury to a third party. For example, if you are hacking out and your horse spooks and damages a car mirror, this insurance will cover the legal and compensation costs for the vehicle owner. While we like to think that we’ll never need this kind of protection, accidents can easily happen!

Personal Accident Insurance for Horse Riders

Personal Accident cover provides financial support if you get injured while riding. It can help with medical expenses and even loss of income if you’re unable to work due to your injury. It is often purchased by equestrian professionals to protect their livelihood in the event of a riding-related injury. Medical expenses and loss of earnings can lead to significant financial distress that personal accident policies are designed to ease – there are many different options on the market and its important to choose one that is right for your individual needs. As a rider, making sure our horses are insured is near the top of our priority lists, but many riders forget they also could be covered themselves.

By understanding these different types of cover, you can choose the right insurance policy that suits your needs and gives you peace of mind. Knowing that you’re financially protected allows you to focus on what you love most – riding and enjoying your time with your horse. Insurance isn’t just about protection; it’s about freeing yourself from worries so you can ride with confidence and enjoy every moment in the saddle.

Benefits of Horse Insurance for Riders

Having horse and rider insurance in place offers numerous benefits, making it an essential part of responsible horse ownership. Here are some key advantages that horse insurance provides for riders:

Financial Protection Against Unexpected Expenses  

We all know that vet bills and other unexpected costs can quickly add up. Horse insurance helps cover these expenses, ensuring that you can afford the best care for your horse without worrying about the financial strain. Whether it’s a sudden illness or an accidental injury, insurance provides a safety net.

When you know that you have the right insurance cover in place for you and your horse, you can be confident in making the right decisions about your horse’s treatment, care and rehabilitation, without worrying about costs. During emergencies, the last thing you want to be worried about is how you’ll pay for your horse’s treatment! When you have the right insurance for your horse from a reputable company, you’ll be able to make the best decisions with your horse’s welfare as a priority. 

Perhaps the biggest benefit of horse insurance is the peace of mind it brings. Knowing that you and your horse are protected allows you to focus on enjoying your riding experience. You can ride with confidence, free from the constant worry of “what if” scenarios.

It’s interesting how riders are so good at worrying about their horses! We can get wrapped up in the ‘what ifs’, the uncertainties and worries about whether we’re doing the best we can for our horses. And that’s before we start thinking about riding, right? 

Horse insurance protects you and your horse financially and boosts your confidence as a rider. It reduces anxiety, lets you focus on training, and covers personal accidents. This increased confidence makes your riding experience more enjoyable and fulfilling.

How To Choose the Right Horse Insurance

Selecting the best horse insurance coverage can feel overwhelming, but with a few simple steps, you can find the right policy for you and your horse. Here are some tips to help you make an informed decision:

1. Assess Your Needs and Your Horse’s Needs  

Start by evaluating what type of cover you need. Consider your horse’s age, health, and activities. If you compete with your horse, personal accident insurance might be useful. If you travel your horse, the trailer or horsebox insurance will be essential too. For older horses, veterinary fee insurance could be a priority. Think about your own requirements too, such as public liability cover if you often ride in public areas.

2. Compare Different Insurance Policies  

Once you know what you need, compare different insurance policies. Look at the coverage each policy offers and check the limits and exclusions. Make sure the policy covers the specific risks you’re concerned about. Comparing several options will help you find the best value for your money.

3. Consider the Customer Service of Insurance Providers  

Not all insurance providers are created equal. Research the reputation of potential insurers. Look for reviews and testimonials from other horse owners. Good customer service is crucial – you’ll want an insurer who is responsive and helpful, especially when you need to make a claim. Get on the phone and speak to an advisor who can answer your questions.

What to Look for in a Horse Insurance Policy  

When you’re reviewing a range of different horse insurance policies, pay attention to:

  • Coverage Limits – Ensure the policy limits are sufficient to cover potential costs.
  • Exclusions – Understand what is not covered by the policy to avoid surprises later.
  • Premium Costs – Compare the premiums, but remember that cheaper isn’t always better. Balance cost with the quality of coverage.
  • Claims Process – Check how easy it is to file a claim and what documentation is required.
  • Additional Benefits – Some policies offer extra benefits, such as cover for alternative therapies or transportation costs.

By following these steps, you can choose the right horse insurance that provides the level of protection you need. This will give you peace of mind and allow you to focus on enjoying your time with your horse, knowing you’re well covered.

Ride with Confidence and Enjoy the Journey

Having the right insurance cover is a game-changer for any horse rider. It’s more than just a safety net; it’s a way to ride with greater confidence and peace of mind. With proper cover, you can focus on improving your skills and enjoying your time with your horse, knowing that you’re protected against unexpected expenses and potential liabilities.

Insurance means that you can get the best care for your horse and yourself, without the constant worry about costs. It helps you stay calm and composed, allowing you to build a stronger bond with your horse and enjoy each ride to the fullest.

Take the time to explore your insurance options. Look for policies that meet your specific needs, whether it’s veterinary fee cover, public liability, personal accident insurance, or other specialised covers. By choosing the right insurance, you’re investing in your peace of mind and your riding future.

Don’t let worries hold you back. With the right insurance, you can ride confidently, knowing that you and your horse are well protected. Enjoy the journey, embrace each moment in the saddle, and make the most of your riding experience.


Barker, I. & Freeman, S. (2019) Assessment of costs and insurance policies for referral treatment of equine colic. Veterinary Record. 185(16):508

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