Specialist Horse Insurance

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

  • Cover available from 24hrs old
  • Vets fee cover from £2,500 - £7,500
  • Options for equine catastrophe cover, leisure horses, sport horses, veterans and studs

Horse Insurance That Beats The Competition

With over 30-years of equestrian insurance experience, and as horse owners ourselves, Shearwater offers a team of horse insurance experts to broker you the best deal and support you through the claims process.

As the equestrian industry has evolved so have we and so have diagnostics and treatments advancements.  Therefore, the cost of veterinary bills has risen as well. We know this at Shearwater, and it’s something we account for when sourcing your insurance policy. We remain one of the leaders in equine insurance and can offer you the right policy to suit your equestrian needs.

Our 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

Whether you're sourcing cover for competition horses, leisure horses, the family pony or your veteran friend, Shearwater have got you covered.  Our team of horse owners will endeavour to make your customer journey as simple as possible. As brokers, we're legally bound to supply you with the best priced policy we can offer.


Sports Horse Insurance

Shearwater is pleased to offer a specialist horse insurance policy targeted at the sports horse market.  For horses of variable values and competitive levels and disciplines, we're confident we have a policy to best suit your needs.

For those used to competing, we can assure you that there is no first and second place when it comes to finding you the best insurance policy – no winners or losers.  There is a reason our strap line is - insurance that beats the competition. 

All of Shearwater's horse insurance policies have the option to add on public liability, personal accident and tack insurance.  Loss of use cover is also available.

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Leisure Horse Insurance

A cost effective horse insurance policy that aims to give horse owners the essential cover they need to protect their horses, and finances, should the worst happen.

Aimed at horses valued up to £5,000, Shearwater's leisure horse insurance offers a variety of levels of vets fee cover, in conjunction with variable levels of excess and co-insurance.

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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 fees cover, 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
  • 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

Get A Quote Today

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

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