Leisure Horse Insurance

Should the worst happen, our Leisure Horse Insurance provides cost effective cover for your horse, including vets fees up to £7,500 per incident.

From A Team Who Understands

As horse owners ourselves, the Shearwater team understands how stressful having an ill or injured horse can be.  We also understand how costs can rapidly spiral out of control, making a stressful situation even worse.

Leisure Horse Insurance from Shearwater offers a cost effective insurance product to horse owners, with variable excesses, including co-insurance, alternative therapy benefits and a substantial £7,500 per incident vets fees limit, plus an additional £2,500 optional life saving surgery top up.


Key Elements of Cover

  • £7,500 of vets fees cover per incident with the option for an additional £2,500 for life saving surgery
  • Various levels of co-insurance available, to further reduce premiums
  • £750 of alternative therapy benefit
  • Cover is available anywhere in the UK (including Northern Ireland, the Channel Islands and the Isle of Man), including all transits therein and including transits to any country in Western Europe

14-Day Exclusion Waived

It is common for insurance policies to apply a 14-day exclusion period, for illness, at the start of the policy.  Shearwater are able to waive this exclusion if transferring your insurance via Shearwater, or if the horse is coming from another insurer with no break in cover.

Speak to a member of our equine insurance team for further information.


High Value Horse Insurance

Looking for something for a higher value horse? Shearwater pride ourselves on offering insurance that beats the competition when it comes to horse insurance.  With a variety of policy excesses, different levels of vet fees cover to suit your needs we now offer a horse insurance policy specifically designed for those valued in excess of £50,000.

  • 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

Request A Quote Today

Get the cover you need today.  Speak to one our our experts on 01992 718666 or request a quote online.  Specify Catastrophe Cover in the Enquiry Box.