Equestrian Insurance FAQs

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The nature of horse riding and equestrian activities means they are sometimes considered hazardous activities or dangerous sports. Underwriters will evaluate people participating in horse-related events or activities on a number of factors, such as, the kind of riding activities they undertake and how frequently they engage in equestrian activities.

Can I get equestrian rider insurance?

For people who take part in equestrian activities or ride horses there are a range of financial protection options that riders may want to discuss with Sports Financial Services. These options include life insurance, mortgage protection, income protection and critical illness cover.  Equestrian insurance rates for this kind of cover will usually depend on a number of factors that will help underwriter assess and understand the level of risk involved. 

Does equestrian insurance cost more?

There are different factors to take into consideration during the process of enquiring about equestrian insurance, and some of these factors can lead to increased premiums and policy exclusions. Examples of the types of questions we ask to understand your participation in equestrian sports include: 

  • What type of equestrian or horse riding activities do you undertake?
  • How often do you take part in equestrian / horse ride activities?
  • Do you compete competitively in equestrian / horse riding activities (e.g., hacking, eventing, show jumping etc.)?
  • What is your level of horse riding participation (e.g., amateur, recreational or professional)?
  • Are you a member of the Sports Governing Body for equestrian sports?

Here at Sports Financial Services, we work with a range of insurance companies and underwriters, with the aim of providing you with the best value protection for your horse riding and equestrian activities.

Does equestrian riding affect other kinds of cover? 

When you enquire about cover your sports specialist at Sports Financial Services will undertake an investigation of your lifestyle, occupation and equestrian activities.  When we have an understanding of you and your needs we will discuss the options that are available to you. This will include a discussion about the effect of your equestrian activities and other lifestyle factors on the availability of different policies, any policy restrictions and any policy loadings arising from your conversation with our specialist sport adviser. 

Where can I get the best equestrian insurance advice?

If you are looking to obtain equestrian insurance for life insurance, mortgage protection, income protection or critical illness cover for horse riding / equestrian sports speak to a specialist at Sports Financial Services. 

We are specialists that guarantee the best value protection for your activities. As a specialist company we are knowledgeable about many high-risk and hazardous sports. We also have many years of experience providing insurance advice for active sports participants. If you are searching for equestrian insurance should make sure you are speaking to appropriate professionals who have the necessary knowledge and experience to be able to provide you with the right guidance. That is where the team at Sports Financial Services aim to help you.

To find out more, please get in touch with our team of sport and equestrian specialists today.