Horse Rider Insurance

Designed specifically for horse riders our personal accident insurance policy offers the protection every rider needs.

A Helping Hand Should You Fall

Having to take time off because you’re laid up with an injury can be a hard pill to swallow. For those who are active in their job, such as people working in the equestrian industry, becoming suddenly sedentary can be especially difficult.

Beyond this frustration, there are financial implications. How will you pay your bills? Will you be able to support any dependants? Working yourself up with these worries is not helpful when you need to focus on your recovery.

  • Fixed benefit amount paid in the event of death
  • Loss of sight, loss of limb, permanent total disability
  • Temporary total disability
  • Weekly benefits

With its inherent risks, horse riding is considered one of the most dangerous sports in the UK, and an injury sustained while working with horses could be one that keeps you from work for weeks, months or even permanently. Anyone who participates accepts these risks, which is why it’s so important to embrace horse rider insurance as a necessity.

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Our Focus Is You

Our team at Shearwater have many years’ experience in making sure clients are taken care of financially and their income is protected at a time when they need it most. Levels of personal accident can vary, and a chat with our advisers will clarify what degree of cover is going to meet your needs. Using a specific equestrian insurer for your horse riding insurance will mean that they understand the nature of your business, and will do everything they can to help you get back on your feet.

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Stunt Protection

With the excitement of working as a stunt artist, comes a greater risk of injury, and finding an accident policy to cover you can be a challenge. At Shearwater we understand that taking risks is part of your career, and can arrange a package that protects you should you become unable to work because of an injury.

It is possible to add sickness cover to a stunt cover policy our advisors can talk you through the benefits and costs.

With this reassurance in mind, you can put all your efforts into your profession, safe in the knowledge that you’re protected through insurance experts.

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Cover For You & Your Horse

As well as looking after you, Shearwater are the perfect option for specialist horse insurance. When you and your horse are out on the road, having horse and rider insurance with the same provider will help ease the stress of the situation should you ever have to claim, and you will be guaranteed the great service from Shearwater for the both of you.

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The price of protection?

Personal Accident – Non-Professional/Leisure Rider

  • For those with a Standard Occupation (deemed not high risk e.g., office based, teacher etc.)
  • Excludes those taking part in Eventing, Polo, Team Chasing and Racing.
  • Super Coverto include Temporary Total Disablement loss of earnings to a maximum of £250 per week (not exceeding 65% of average weekly wage) for up to 52 weeks with a 14-day exclusion.
  • Those who are self-employed and requiring Super Cover must be able to provide proof of earnings for the previous year.

The following rates are inclusive of insurance premium tax, at 12%, and our admin fee of £35.00:

Standard (Basic Cover)

£88.22

£50,000 Accidental Death

 

£50,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£50,000 Permanent Disablement

 

 

 

Standard (Super Cover)

£162.40  

£50,000 Accidental Death

 

£50,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£50,000 Permanent Disablement

 

Personal Accident – Equestrian Professional/Rider/Trainer

  • For those who work with horses, professional riders or competitors
  • Applicable for those aged 16 to 74 inclusive
  • Includes cover for those taking part in Hunting, Eventing, Polo or Team Chasing
  • Excludes any form of Racing
  • Any amount paid under the sections noted above may be reduced by up to 50% if the assured was not wearing approved protective headgear manufactured to BSEN1384, EN1384, PAS015, ASTMF1163 standard or carrying the BSI kitemark or to be SEI certified at the time of the accident.
  • Super Cover Level 1 – for those in full time employment, to include Temporary Total Disablement loss of earnings to a maximum of £250 per week (not exceeding 65% of average weekly wage) for up to 52 weeks with a 14-day exclusion.  Does not include sickness, hospitalisation or dentistry.
  • Super Cover Level 2 – as above but weekly benefit increased to £500.
  • Those who are self-employed and requiring Super Cover must be able to provide proof of earnings for the previous year.

The following rates are inclusive of insurance premium tax, at 12%, and our admin fee of £35.00:

Level 1 – Basic Cover

£145.60

£50,000 Accidental Death

 

£50,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£50,000 Permanent Disablement

 

 

 

Level 1 - Super Cover

£324.80

£50,000 Accidental Death

 

£50,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£50,000 Permanent Disablement

 

 

Level 2 – Basic Cover

£291.65

£100,000 Accidental Death

 

£100,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£100,000 Permanent Disablement

 

 

 

Level 2 - Super Cover

£649.15

£100,000 Accidental Death

 

£100,000 Loss of Eye(s)/Limb(s)/Eye & Limb

 

£100,000 Permanent Disablement

 

To extend Level 2 Super Cover to include illness - £1,237.15

All quotations are subject to receipt of premium payment and a variety of payment options are also available – please contact our office on 01992 707 318 for details.

Please follow the below link to view policy documents and complete your Proposal Form.

Please click here to view policy documents and complete the Proposal Form.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

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For insurance that beats the competition.  Phone us today on 01992 707318 or request a quote online.

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