15 %
Introductory Discount
plus
15 %
Family Discount
Horse Rider insurance from £3.80 per lunar month
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*Premium shown is paid lunar monthly including introductory discount on the Junior policy.

Accident Protection When You're In The Saddle...

... or if you've just fallen out of it! Whether you are stepping into the stirrups for the first time, or a veritable veteran on horseback, horse riding is not an activity without risks. If you don’t own a horse but do ride our Horse Rider Only insurance policies include cover for you as well as some emergency cover for the horse that you are riding.

Walk or canter, gallop or trot, horse riding is a pastime that can be enjoyed by people from a range of ages. That’s why we have kept our Horse Rider Only policies straightforward.

For more information watch our quick video or keep reading.

Junior And Adult Policies

We have kept our Horse Rider Only policies straightforward with Junior policies for riders aged between 5 and 17 years old and an Adult horse riding cover for those aged from 18 to 75 years, so all you have to do is let us know your date of birth.

Our policy benefits include Emergency Veterinary Fees for External Visible Accidental Injury Only, Public Liability, Custodial Liability, Saddlery and Tack, Dental Treatment should you require dental work following an accident and Personal Accident.

Our Junior policies also include cover for Private Tutoring Fees should you be unable to attend your full-time education establishment following a horse riding accident.

You can tailor your horse insurance policy with the following Elective Benefits:

  • Riding Clothes
  • Premium Waiver
  • Legal Helpline

For further details simply read on or get a free no-strings quote and find out if you could be better off with Horse Rider Only insurance from The Insurance Emporium.

Find the Right Policy For You

Our Range of Cover

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits
 
  • Emergency Vet's Fees i
  • Custodial Liability i
  • Saddlery & Tack i
  • Public Liability i
  • Personal Accident i
  • Dental Treatment i
  • Private Tutoring i
Junior (5 - 17 years)
  • £1,000
  • 100% of Sum Insured/Market Value - Up to £1,500
  • £1,250
  • £1.5 million
  • £22,500
  • £1,750 per incident
  • £3,000
Adult (18 - 75 years)
  • £1,750
  • 100% of Sum Insured/Market Value - Up to £3,500
  • £3,000
  • £1.5 million
  • £22,500
  • £2,000 per incident
Table of Benefits
 
  • Emergency Vet's Fees i
  • Custodial Liability i
  • Saddlery & Tack i
  • Public Liability i
  • Personal Accident i
  • Dental Treatment i
  • Private Tutoring i
Junior (5 - 17 years)
  • £750
  • 100% of Sum Insured/Market Value - Up to £1,250
  • £1,000
  • £1 million
  • £20,000
  • £1,500 per incident
  • £2,750
Adult (18 - 75 years)
  • £1,500
  • 100% of Sum Insured/Market Value - Up to £3,250
  • £2,500
  • £1 million
  • £20,000
  • £1,750 per incident

The cost of emergency treatment provided up to 24 hours after the horse sustains an external visible accidental injury.

Sum insured or market value (if less); if a horse dies or is put to sleep on immediate humane grounds due to external visible accidental injury it sustained whilst you were riding it.

Where your saddlery and tack is stolen or accidentally damaged whilst you are taking part in or preparing for an activity encompassed within your type of use.

Your legal liability to others for compensation and costs caused by or through your riding a horse.

Death, total permanent disablement, loss of hearing, sight or limbs as a result of a bodily injury sustained whilst riding a horse.

Dental treatment following each accidental bodily injury to your mouth and/or teeth as a result of your riding a horse.

Private tutoring fees for a child aged 5-17 years if they are unable to attend their full-time educational establishment solely as a result of a riding accident.

The cost of emergency treatment provided up to 24 hours after the horse sustains an external visible accidental injury.

Sum insured or market value (if less); if a horse dies or is put to sleep on immediate humane grounds due to external visible accidental injury it sustained whilst you were riding it.

Where your saddlery and tack is stolen or accidentally damaged whilst you are taking part in or preparing for an activity encompassed within your type of use.

Your legal liability to others for compensation and costs caused by or through your riding a horse.

Death, total permanent disablement, loss of hearing, sight or limbs as a result of a bodily injury sustained whilst riding a horse.

Dental treatment following each accidental bodily injury to your mouth and/or teeth as a result of your riding a horse.

Private tutoring fees for a child aged 5-17 years if they are unable to attend their full-time educational establishment solely as a result of a riding accident.

Why Choose Us For Horse Rider Only Insurance

5-17 Junior Cover Available
75 Adult Cover Up To The Age Of
30% Total Discount Available

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

15% discount on new policies for the first year. But don’t worry, we also offer a Loyalty Scheme to reward faithful customers after 12 months.

With the option of adding up to 3 family members to an application, with their own policies and a 15% discount each, there is a potential 30% discount (including 15% Introductory Discount) on offer.

This is based on the Junior level of cover with no Elective Benefits selected.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

I am under 18 years old. Can I take out the junior policy?
You must have a parent/guardian take out the policy for you as you are under 18 years old. The policy will include your details and be for your sole use.

Are there any age limits for the insured rider?
Any insured rider must be between 5 & 75 years old.

What is the maximum value that is covered for Custodial Liability?
Custodial Liability cover is provided up to £3,500 depending upon the cover chosen. Settlement is assessed on the sum insured or market value whichever is less.

In what circumstances are vet's fees covered?
Emergency vet's fees for external visible accidental injury only are covered for treatment up to 24 hours after the injury occurred.

Will the insurance cover other people to ride?
No, the Rider Only insurance policy only covers the named rider. Separate policies should be taken out if there are multiple riders wanting insurance cover.

What does Personal Accident mean?
You sustain an accidental bodily injury as a result of riding, leading, handling or caring for your horse and the injury does, within 12 months, result in death, total and irrecoverable loss of hearing, sight or limbs or total permanent disablement.

I have an existing medical condition, will this affect my ability to claim?
You are obliged to inform us of any medical condition that you have which might affect your policy. The insurer will advise you at the time you take out your policy how your condition might affect your cover.

What should I do if anything happens that could result in a third party claim against me?
Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim. You must send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.

What is the excess on the Rider Only policy?
An excess applies to claims under the following sections of cover:

  • Vet's Fees: £150
  • Saddlery & Tack: £85
  • Public Liability: £250

How do I protect my saddlery and tack from theft or damage?
When not in use, please click here for our security requirements for saddlery and tack.

Will you want to see the horse's body in the event of a horse death following an accident whilst I am riding it?
No, however, you must arrange and pay for a vet to certify the cause of death. The vet must make a post-mortem examination at your expense if the cause of death is unknown.

What do I have to do if my Saddlery & Tack is stolen?
You must tell the police immediately upon discovery and preferably within 24 hours of discovery. You must and obtain a crime reference number. Once this has been done the crime reference number and details need passing to us as the insurance company. You must do everything you reasonably can to recover your saddlery and tack.

Am I covered for competing on my Rider Only policy?
Yes, the policy allows you to compete - ensure that you check the type of use activities when going through the quotation.

Am I covered to ride whilst overseas?
No, this policy only covers damage, loss and liability whilst in the United Kingdom, Channel Islands or Isle of Man.

Is the dental treatment for me or the horse/pony?
The policy includes dental treatment for the rider following a bodily injury to your mouth and/or teeth as a result of you riding, leading, handling or caring for the horse.
The Emergency Vet's Fees section on the policy would also cover emergency vet's fees for an injury to the mouth/teeth of the horse however the policy does not cover any costs due to tooth or gum disease or wolf teeth. Emergency vet's fees are covered for treatment up to 24 hours after the injury occurred.

What is Private Tutoring?
Private tutoring fees is for children aged 5-17 years if they are unable to attend their full-time educational establishment solely as a result of a riding accident.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.