Horses and ponies only · writing cover since 2011
Fourteen thousand two hundred horses and ponies on our books, priced on what yours actually does rather than the postcode it stands in. Everything a policy will not pay for is on the screen before the premium, because that is the part owners find out about on the worst morning of the year.
Cover levels
Nothing matches that search. to see everything.
Price a policy
Set the sum insured to what you would genuinely have to pay to replace the horse tomorrow, not to what you paid for him. Every policy carries a fixed £46 element covering third-party liability and the paperwork; the rest moves with the horse, its age, its work and the excess you choose to carry yourself.
What we exclude
Anything a vet has seen, treated or written down before cover began is out, and so is the other front leg once one has had a suspensory injury. We ask for the full veterinary history at the start and exclude what is in it, which loses us roughly one enquiry in six at exactly the moment people read the wording.
Vaccination, teeth, worming, shoeing, routine scoping and the call-out for a horse that turns out to be sound are not vet fees on any equine policy, ours included. Saying it here makes our cover look thinner than a competitor who lets you assume otherwise.
Nearly always one of two reasons: the horse was showing signs before the policy incepted, or the twelve-month limit on that condition had already run out mid-treatment. We now write at month ten to warn owners the clock is nearly up, and last year that letter cost us £61,400 in claims that would otherwise have quietly fallen outside the year.
A fifteen-year-old hack honestly worth £900 does not justify mortality cover — four years of premium exceeds the sum insured, and we would be selling you your own money back. We say so and write the £84 liability policy instead of the £412 one.
“They wrote to me at ten months to say the sarcoid claim would run out of its twelve-month limit in February and I ought to get the surgery booked now. Nobody makes money sending that letter. It came to £3,470 and they settled with the practice directly, so I never saw an invoice at all.”
Talk to an underwriter
The Old Forge Office, Marlpit Lane
Stow-on-the-Wold, Gloucestershire GL54 1DQ
Stow-on-the-Wold · independent since 2011
About this page
The business, the listings and the reviews are invented — this page exists to show what someone could put on horseinsurer.com. The domain itself is genuinely for sale.
Or speak to Colin Squire directly — +44 (0)7990 570292 · colinsquire@yachtingmatters.com