Equine insurance
Horse and rider insurance
Private riding horse insurance

Summary of insurance cover

Standard horse insurance covers

  • Death by accident, illness and disease insurance
  • Theft or straying insurance
  • Public liability insurance
  • Insurance for the loss of UK horse passports
  • Equine legal protection insurance

Standard horse insurance is available for the following classes of activity:

  • Hacking, dressage, pony club, novice, show jumping and hunter trials, driving and showing
  • BSJA show-jumping and BE eventing
  • Point-to-Point, team chasing, polo and BE advanced eventing

Optional horse insurance cover

  • Personal accident insurance for the rider of up to £20,000 following death or disablement (including £1,000 dental treatment)
  • Options for veterinary fees insurance of £3,000 or £5,000, with different levels of excess
  • Loss or damage to saddlery and tack insurance with options of either £1,000 or £2,000
  • Permanent loss of use insurance for accident, illness or disease for 100% of the sum insured if the horse is totally incapacitated or 60% if the horse can still be used
  • Stable loss insurance of up to £500 for cost of alternative stabling
  • Loss of entry fees insurance up to £300 caused by death of insured horse or hospitalisation of intended rider
  • Trailers and horse-drawn vehicles insurance for theft or accidental damage with an excess of £100 or 10% of the loss

Insurance for animals over 16 years of age includes death by accidental, external injury, theft or straying, liability, legal protection and veterinary fees for injuries up to £3,000 per annum

Our standard equine insurance policy is suitable for horses worth up to £10,000 each. More expensive racehorses, competition horses and eventers may have more specialist insurance requirements and if you own horses of this nature, we are able to offer bespoke policies tailored to your needs

To arrange your insurance policy

There are a wide variety of covers and eligible uses for horses on our horse and rider insurance scheme. Therefore please contact the Cliverton office to discuss your requirements in greater detail.


Cliverton, 15-17 Norwich Road, Fakenham, Norfolk NR21 8AU
Tel: 01328 857921 Fax: 01328 857959 Email: info@cliverton.co.uk
Cliverton is a trading name of Lycett, Browne-Swinburne & Douglass Ltd. which is authorised and regulated by the Financial Conduct Authority (FCA No. 310623).

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