At SEIB, we appreciate the many risks horse owners face. We know, because we are horse owners and riders ourselves. Our horse insurance perfectly reflects this and aims to protect against risks like death, injury or illness so that you can focus fully on your riding.

Owning a horse or pony can be demanding. With technological advances in the diagnosis, surgery, treatment and medication of equine welfare, veterinary bills are ever-increasing. If your horse sustains an injury, causes damage to someone else’s property or worse, are you confident you can afford to pay for the repercussions, both financial and otherwise?

You dedicate so much time and effort to your horse, that we think it’s worth spending a few minutes to make sure that your horse insurance policy is as fit for purpose as your saddle or riding hat. Our flexible cover can be adapted so you only pay for what you need.

Once we know which activities you and your horse take part in, our experienced Horse Insurance team will be able to advise you on the most affordable policy we can offer for your needs.

Our horse insurance policy provides protection for losses caused by death, theft and straying as standard, and can be extended to include cover for:

  • Colic surgery up to £7,500 per incident
  • Veterinary fees up to £5,000 per incident
  • Loss of use from 60% to 75% of your horse's insured or market value
  • Tack and saddlery up to £5,000 per horse
  • Public liability  up to £5million per incident
  • Legal protection up to £50,000 per incident
  • Personal accident insurance & dental treatment for riders and handlers of your horse
  • First-class 24-hour emergency telephone helpline
  • A range of excess options ranging from £135 - £500

We can also arrange cover for high-value and competition horses via our specialist Sport Horse Insurance.

If you're an insurance broker please call us direct to arrange a quotation.

We know everything there is to know about horse and pony insurance. What would you like to know?

How much is horse insurance?

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.

Is this policy suitable for my competition horse?

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

Do you provide foal insurance?

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 standard 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.

Do you offer veteran horse insurance?

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).

How does SEIB’s horse insurance compare?

Using a price comparison site to find a policy may seem worthwhile, but you probably won’t be getting the most appropriate horse insurance. In such a niche area, relying on sector specialists is a strong option and our specialist Horse Insurance team are on hand to help find the best price 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.

What else sets SEIB apart?

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 donate 5% of our commission to the British Horse Society (BHS), 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 couple of 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.

How do I choose the best horse insurance for me?

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, and how often you ride. Whatever your requirements, trust SEIB to provide you with a thorough policy with minimal stress.

What if I fall off my horse or suffer an injury while mounted?

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.

If you would like to find out more about how SEIB can insure you or to receive a horse insurance quote, contact our team of friendly experts. Call 01708 850 000, email or hit the Get an Instant Quote here.