Personal Accident Insurance
- Two levels of personal accident cover available
- Essential cover for everyday horse riders
- Specialist cover available for freelance grooms & riding instructors
Insurance for everyday horse riders, freelance grooms & riding instructors
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.
Two levels of Personal Accident cover available
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.
What does Personal Accident Insurance Cover?
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 starting from £100 per week
- Benefit period up to 104 weeks (maximum period for which loss of earnings is payable after deduction of the excess period)
- Activities covered include: Hunting, polo, British eventing, cross country, hunter trials, dressage, ridden showing, and show jumping
- The insurance is operative 24 hours a day throughout the period of insurance and for trips abroad
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
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.
We’re proud to work with a leading equestrian organisations including:
Why choose SEIB?
We use our experience, specialist knowledge and strong relationships with leading insurers to help you get the right policy for your needs.
Over 60 Years’ Experience
We’ve been providing specialist equestrian insurance for over 60 years.
Easy Claims Process
Insurance claims should be easy, and they are with our experienced team.
Team Of Horse Owners
You’ll speak to a team of horse owners who understand your world.
Cover To Suit Your Budget
Flexible insurance options to help you get the cover, and price, you need.
Request a Quote
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.
Frequently Asked Questions
Have an insurance question for us? Find answers to our frequently asked questions below or contact us for more information.
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 please get in contact with our team so we can discuss your requirements.
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.
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.
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.
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.
Anthony Burnett
Equestrian Schemes Underwriting Specialist
Joanne Goodrich
Equestrian Liability Underwriting Specialist
Kathleen Tansey
Sales Team Leader
Rosie Pope
Equestrian Associations Manager
Stephanie Ellis
Equestrian Business Manager
