Horse rider insurance, critical illness cover and income protection specialists
Horse rider insurance can protect your family, income and financial commitments if illness, injury or death affects you. Sports Financial Services arranges life insurance, critical illness cover and income protection for recreational riders, competitive equestrians and professionals.
The terms offered may depend on the type of riding you do, how often you ride, your competition level and any previous injuries. Our specialist advisers understand equestrian activities and can approach insurers that are more likely to assess your circumstances fairly.
Request a free, no-obligation quote today.
Horse riding and equestrian life insurance
Life insurance for people who ride horses or take part in any form of equestrian activity is usually available and generally will be offered at the insurers standard rates. Life insurance for horse riders and equestrian sports insurance rates will usually depend on several key factors to help underwriters assess your risk, such as: – Type of horse you ride – How often you ride horses – Horse riding activity (e.g. Hacking, eventing, show jumping etc.) – Level of horse riding (e.g. amateur, recreational or professional) If you have recently or previously applied for horse rider insurance and either been declined cover or accepted at special terms then you should speak to our experts. We specialise in helping people with hazardous hobbies such as people who ride horses to find life insurance to protect their family, home or business.
Horse rider insurance and equestrian critical illness cover
Critical illness cover for horse riders is generally available at insurers standard rates and usually fairly straight forward to apply for with very little additional requirements. Horse riding and equestrian critical illness cover is underwritten in much the same way as life insurance and therefore similar questions will be asked about what type of riding you do and what level you ride to.
As with other hazardous hobbies and extreme sports, horse riding or equestrian critical illness cover can include an exclusion for total permanent disability (TPD). This exclusion will only usually apply with horse riding critical illness cover where the riding is more frequent or for competitive riding (e.g. eventing, racing or show jumping). You should not consider this as a barrier to getting cover as this is only a very small element to any horse riding or equestrian critical illness policy. There is also a chance that some insurance providers will exclude TPD where as other providers would offer critical illness cover including TPD so it’s worth shopping around and speaking to one of our experts.
For more information about horse riding and equestrian critical illness cover contact our team of expert advisers.
Horse rider insurance equestrian income protection
Cover for horse riders wanting income protection is also generally readily available and often with no restrictions, exclusions or premium loadings. Underwriting for horse riding and equestrian income protection will also depend on your accident / injury history as well as any previous musculoskeletal issues. This will determine whether there are any specific types of income protection policies that are not available to you.
As with most of these types of sports or hobbies, there is a fairly strong possibility that you may have been involved in some form of accident in the past which can potentially have caused longer term problems. Horse riding income protection underwriting will usually take this in to account to determine which levels of cover are available to you.
If you have applied to horse riding or equestrian income protection in the past and experienced problems then you should speak to our team of expert advisers who will be able to help. It is important with hazardous sports such as horse riding to consider income protection due to the increased risks of injury from accidents. Check out horse riding accident insurance.
Who Is Horse Rider Insurance Suitable For?
Horse rider insurance may be suitable for anyone who rides or works with horses and wants to protect their family, home or income.
We can help:
- Recreational riders
- Amateur competitors
- Dressage riders
- Show jumpers
- Eventers
- Jockeys
- Riding instructors
- Horse trainers
- Stable workers
- Professional equestrians
- Riders who have previously been declined
- Riders who have been offered exclusions or higher premiums
You do not need to ride professionally to benefit from specialist advice. Even occasional riders can face questions from insurers about their activity.
Get a no-obligation quoteFrequently asked questions:
Can I get horse rider insurance if I compete?
Yes, cover may still be available if you take part in eventing, show jumping, dressage, racing or other competitive equestrian activities. Insurers will usually ask about the discipline, level of competition, frequency of participation and any previous injuries before confirming the terms offered.
Will previous horse riding injuries affect my application?
A previous injury does not always prevent you from getting cover. The insurer may ask about the type of injury, treatment received, recovery time and whether it still affects your work or riding. Providing accurate information helps ensure the policy remains valid and reduces the risk of delays.
What information will I need to provide?
You may be asked what type of riding you do, how often you ride, whether you compete and if you ride professionally. Insurers may also ask about your occupation, health, medical history and any previous accidents. A specialist adviser can help present these details clearly and approach suitable providers.
Does life insurance cover horse riding?
Whether life insurance covers horse riding depends on the specific policy and insurer. Some life insurance policies may include exclusions for high-risk activities like horseback riding, while others may offer coverage with certain conditions or additional premiums. It’s essential to review the terms of your life insurance policy and consult with your insurer to understand what activities are covered .
What type of cover is most important for horse riders?
All types of insurance or personal protection are important so you should at least consider each of them based on what they cover against what is important to you. Increased risk of accident or injury means that certain types of cover such as horse riding income protection may be more appropriate for you. Obviously these should be considered based on:
- Attitude to risk
- Key priorities
- Affordability
You can always mix and match different types of cover to fit with your budget and to ensure that you get some cover rather than none.
Which insurance providers are better for horse riders?
This can depend purely on when you are applying for cover as underwriting for horse riding life insurance, critical illness cover or income protection can and does change regularly. Some insurance providers may have been good in the past at offering what you are looking for at a good price but this may have changed over time.
If you need more information about horse riding and equestrian life insurance, critical illness cover or income protection then you should contact one of our team of experts. We have years of experience in dealing with people who are exposed to additional risks due to their hobby or sport.
Get In Touch Today
We understand the unique risks that come with horse riding and other equestrian activities. Whether you’re an amateur rider, a professional eventer, or somewhere in between, we’re here to help you secure the protection you need. From life insurance and critical illness cover to income protection, our experienced advisers will guide you through your options, ensuring you get the right cover tailored to your lifestyle and needs.
Don’t leave your future to chance, speak to a specialist who understands your sport.
Call us today or request a free, no-obligation quote and let’s find the right protection for you.