Horse Insurance

Horse insurance for pre-existing conditions can sometimes be available, although cover options will depend on the individual horse, its medical history and the agreement from the insurer.   In many cases, standard horse insurance policies will exclude pre-existing conditions, meaning claims relating to previous illnesses or injuries would not be covered. However, some specialist policies, like SEIB’s Sport Horse Insurance, can provide cover for certain conditions or previously excluded areas of the horse, subject to the insurer’s agreement.

This depends on which Horse Insurance policy you have with us. Classic Horse Insurance may require a veterinary certificate. This will depend on age, value, cover you require and whether the horse has been owned and uninsured. Speak to our team for more information. Our Core Horse Insurance does not require veterinary certificates.

Yes. All SEIB Horse Insurance policies allow you to insure multiple horses under one policy. SEIB’s Core Horse Insurance allows you to insure up to five horses under one policy, all online through their website. This form of multiple horse insurance can provide a reduced premium, making it a convenient and cost-effective option for owners with more than one horse to insure.

Yes, our Core Horse Insurance is perfect for those looking for affordable Horse Insurance, whilst still having some insurance in place should the worst happen. The vets fees cover is provided on an accidental external injury only basis, which is defined as external visible wounds caused by accidental or violent means. Choosing to cover Accidental External Injuries only, will lower your premium.

Our Veteran Horse Insurance is tailored to provide your older horse with the cover they need. It is available for horses from fifteen years old (and younger if you wish). There’s no upper age limit on this product, and it is a package policy which covers accidental external injuries only, with an optional add-on that includes a contribution to emergency life-saving colic surgery at £1,500 max (subject to underwriters’ agreement and an excess).

We’re able to offer foal insurance for foals aged 30 days and over. Our foal insurance would work in the same way as our Classic Horse Insurance policy in that you can choose from a range of veterinary fee levels and excess options. We can also offer specific rates for foals that aren’t used for any in-hand showing.

Our expertise and knowledge allows us to cater for a vast array of needs. When considering horse or pony insurance, there’s a lot to think about. Consider your horse’s health and age, stabling arrangements, your location, provisions and access to main roads, how often you ride and your financial situation. Whatever your requirements, trust SEIB to provide you with a thorough policy with minimal stress. If you’re unsure which of our policies best suits your needs simply give us a call and our team will be happy to advise you. Call 01708 850 000 or email info@seib.co.uk.

Using a price comparison site to find a policy may seem worthwhile, but you probably won’t be getting the most appropriate insurance. In such a niche area, relying on sector specialists is a strong option and our specialist team are on hand to help find the best priced Horse Insurance for your needs. As we own and ride horses ourselves, we can ease any concerns you may have. We’ve been specialising in UK Horse Insurance since 1963, so you can trust that what we offer looks after your best interests.

High-quality insurance is probably more affordable than you may think. Our offering is flexible and individual prices depend heavily on your needs. We’ll carefully consider your requirements and our expert team will help you in ensuring that you only pay for what is relevant to you. If you’re looking for “Cheap Horse Insurance”, our new SEIB Core Horse Insurance offers a cost-effective package of covers that might be of interest.

Although our Classic Horse Insurance policy provides high quality cover for most horses, if your horse is a competition horse with a high monetary value of £50,000 or more, then we do recommend you speak to our Sport Horse Insurance team. Find out more here.

Co-insurance is where an insurance policy is shared between the Insurer and the client. Our SEIB Classic Horse Insurance offers a 20% co-insurance option, whereby in the event of a valid claim, you will be responsible for 20% of the bill plus the £165 excess, with the insurer picking up the balance. Find out more about co-insurance here. By opting for co-insurance, you can reduce your premium.

If more than 50 years of award-winning service, a dedicated team of experts who have a moral investment in equine wellbeing isn’t enough, we also provide insurance for the equestrian industry’s biggest charity, The British Horse Society. An exceptional UK charity that demonstrably improves the lives of horses and provides expert advice for owners and riders. We’ve worked closely with the charity for many years now, and hope to continue this in the future. For more information on BHS, click here. We are also one of only a few equestrian insurance providers that will offer colic surgery cover of up to £7,500. This means that you can rest assured that your horse will be protected should it need to have emergency colic surgery.

Our standalone Personal Accident Cover can protect you if you suffer an injury when riding, handling, mounting or dismounting your horse. The cost is probably less than you may think as we provide an extensive range of cover options, allowing you to choose a policy tailored to your lifestyle.

Loss of use, also known as Permanent Incapacity, Horse Insurance is designed to provide financial support if your horse becomes permanently unable to carry out the activity it was insured for due to illness or injury. For example, if an event horse suffers a serious injury that prevents it from returning to competitive work, but it is still able to live comfortably as a companion horse, loss of use cover may provide compensation depending on the terms of the policy and veterinary evidence provided. Loss of use does not usually apply to temporary injuries or situations where a horse can still perform the insured activity. For instance, a horse requiring a short rehabilitation period following a minor injury would not normally qualify for a loss of use claim. If you are unsure whether your policy includes loss of use cover, our team can help explain the options available and whether it may be suitable for your horse.

Yes, a higher excess will reduce your Horse Insurance premium as you are committing to pay a larger amount in the event of a claim.