Personal Accident Insurance - SEIB Insurance Brokers

At SEIB Insurance Brokers, we understand the risks that come with horse riding and working around horses. Accidents can happen at any time, which is why having the right personal accident insurance in place is so important. Our personal accident policies are designed to provide financial protection in the event of an injury, helping to cover costs such as medical expenses and loss of income.

We offer two levels of personal accident cover to suit different needs. Personal Accident Plus (PA Plus)* provides comprehensive protection tailored for those who work with horses, such as freelance grooms and riding instructors.

For everyday horse riders looking for essential cover, Personal Accident Essential Insurance (PA Essential) offers a more cost-effective option while still providing valuable financial support in case of an accident. Whatever your level of involvement with horses, SEIB has a policy to help protect you.

*Our PA Plus excludes professional horse riders who receive a wage/fee in return for competing on behalf of a third party in a competition, or rely on prize money as a main source of income.

Choose the right Personal Accident Insurance for your needs...

Personal Accident Plus Insurance (PA Plus)

Our PA Plus policy has been specifically designed with freelance grooms and riding instructors in mind. (PA Plus cover is sold in units, with a maximum of 5 units per purchase. The cover amounts shown below are based on 1 unit.)

Death and Capital Benefits
Death £10,000
Loss of sight in one or both eyes £10,000
Loss of one or more limbs £10,000

Permanent loss of speech £10,000
Loss of hearing a) in one ear £4,000 b) in both ears £10,000
Permanent total disablement (other than loss of sight, limb, speech or hearing) £10,000
In addition to all of the above, in the event of a valid loss of earnings claim, help is available for dental treatment expenses (up to £250) and travel costs (up to £750)
Loss of Earnings
Loss of Earnings: Accidental bodily injury causing loss of earnings:
Benefit payable up to £100 per week
Benefit period (maximum period for which loss of earnings is payable after deduction of the excess period below) 104 weeks
Excess period: Hunting†, polo†, British eventing, cross country and hunter trials Dressage, ridden showing and show jumping All other riding activities not noted above

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Personal Accident Essential Insurance (PA Essential)

Personal Accident Essential Insurance is designed for for general horse riding.

Death and Capital Benefits
Death £50,000
Loss of sight in one or both eyes £100,000
Loss of one or more limbs £100,000

Permanent loss of speech £100,000
Loss of hearing a) in one ear £40,000 b) in both ears £100,000
Permanent total disablement (other than loss of sight, limb, speech or hearing) £100,000

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View the PA Plus Insurance Product Information Document (IPID) for further details about the cover provided, together with any significant limitations and exclusions.

View the PA Essential Insurance Product Information Document (IPID) for further details about the cover provided, together with any significant limitations and exclusions.

†PA Plus excludes hunting and polo, but these activities can be included subject to a premium load and increased excess period.

Equestrian Personal Accident Enquiry Form

If you would like a quote for Personal Accident insurance please complete the form below, one of our team will contact you shortly to discuss your requirements.

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Frequently Asked Questions

What does permanent total disablement mean?

This means disablement which prevents you from attending to the duties of your usual business or occupation and which lasts twelve months, and after this time is beyond hope of improvement.

Does PA Plus cover me if I am ill and unable to work?

No, the standard cover under PA Plus is limited to incidents of accidental bodily injury only. However, if you’d like to add Illness cover then please get in contact so we can discuss your requirements.

Why is it best to arrange Personal Accident Insurance with a specialist equine insurance provider?

Personal Accident Insurance is widely available, but the vast majority of policies will list horse riding as an excluded activity. However, by going to an equine specialist like SEIB you can be confident that we’ll arrange cover that’s been tailored to your needs.Personal Accident Insurance is widely available, but the vast majority of policies will list horse riding as an excluded activity. However, by going to an equine specialist like SEIB you can be confident that we’ll arrange cover that’s been tailored to your needs.

Does PA Plus only cover me whilst I am riding or handling a horse?

No, cover under the PA Plus policy operates on a 24 hour basis, meaning that as long as you’re not injured due to an excluded activity, you’ll be covered even if the injury was caused by a non-equine related event (for example a car accident) provided the injury entirely prevents you from working in your usual business or occupation.

What is an excess period?

An excess period is the number of days at the start of a loss of earnings claim during which policy benefits are not payable. So for example, if the excess period is 14 days, you would not be able to claim for any loss of earnings during the first 14 days that you’re unable to work.