Horse Insurance

Don't settle for anything less than specialist horse insurance, from a team that understands.

For horse owners by horse owners

There is no doubt that your horse or pony, whether you have one or many, is important to you. As horse insurance experts the question we ask at Shearwater is: How can we make managing your horse, their health, wellbeing and protection easier for you?

For those used to competing, we can assure you that there is no first and second place in this scenario – no winners or losers.  There is a reason our strap line is - insurance that beats the competition.

At Shearwater we pride ourselves in having a horse insurance team made up entirely of horse owners.  As horse owners ourself we're best placed to handle your horse insurance needs.  Whether that is for competition horses, pleasure horses, the family pony or your veteran friend, Shearwater have got you covered.

As the equestrian industry has evolved, so have we.  We remain one of the leaders in equine insurance and can offer you the right policy to suit your equestrian needs.


Cover at a glance

  • Cover for death included in every policy
  • Veterinary fee cover available between £2,500 and £7,500
  • Range of veterinary fee excess available, including co-insurance
  • Cover for foals from 24 hours old
  • Options for Loss of Use, Public Liability cover, legal expenses, Personal Accident  and saddlery and tack insurance.
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We understand

Not only you as our client, but from your perspective as a horse owner. With everything to consider, your insurance policy needs to be made easy. Each step in your policy journey at Shearwater will be as simple for you and your horse as possible, without sparing on the essential details that are going to protect your animal, and keep you at ease with your decisions to leave it to the experts who really care, and genuinely understand.

As diagnostics and treatments have taken great strides in advancements, so the cost of veterinary bills has gone up. We know this at Shearwater, and it’s something we account for when sourcing your insurance policy.

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Equine Catastrophe Insurance

Equine Catastrophe Insurance from Shearwater is an affordable alternative to traditional Horse Insurance.  From £325 per year (including insurance premium tax) we can offer up to £6,000 per year of vet fee, to include major procedures such as colic surgery.  Unlike other insurers Shearwater also includes Catastrophe Mortality cover as standard.  Meaning, should the worst happen we'll pay the fair market value for your horse. up to the sum insured price.

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Veteran Horse Insurance

A specialist veteran horse insurance policy from Shearwater offers cover  from as little as £280 per year, meaning the fun doesn't need to stop for the golden oldies.

Our veteran policy offers Accidental Injury and Mortality cover to horses and ponies aged from 18 to 25 years

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  • 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

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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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