Horse Insurance
Trusted Horse Insurance providers
since 1963
- Lower premium options now available
- 96% of Horse Insurance claims paid
- Flexible cover for every horse and budget
- Award winning service
We know that your horse is your world. They’re your best friend, your escape… but they’re also likely to be one of your biggest expenses! At SEIB Insurance Brokers we’re passionate about helping you get the peace of mind Horse Insurance you need, whatever activities you enjoy together and whatever your budget.
Your insurance requirements will change throughout your horse’s life. That’s why we’ve developed a range of Horse Insurance policies that can adapt as your needs change. So, whether you’re looking for full illness cover or just accidental external injuries protection, we’ll have a package for you. You can get a Horse Insurance quote online in minutes or speak to our experienced team who will be happy to guide you through your options.
Proud to work with
Why choose SEIB Horse Insurance?
Over the past 60 years we’ve built a reputation as one of the UK’s leading Horse Insurance brokers. Our experience, specialist knowledge and strong relationships with leading insurers mean that we can offer you high-quality policies at affordable prices.
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60 Years' Experience
We’ve been insuring horses for over 60 years and can be trusted to help you.
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Flexible Cover
Choose from a range of Horse Insurance covers to find the one that suits you.
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Complementary Treatments
If your horse is referred for hydrotherapy or another complementary treatment, you have cover within your vet fee limit.
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Easy Claims Process
Horse Insurance claims should be easy, and they are with our experienced team.
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Spread The Cost
You can pay for your Horse Insurance monthly via direct debit.
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Team Of Horse Owners
You’ll speak to a team of horse owners who understand your world.
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Public Liability
All of our Horse Insurance policies can include Public Liability insurance.
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Cover To Suit Your Budget
Flexible Horse Insurance options to help you get the cover, and price, you need.
Simple claims process
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SubmitClaim form, vet claim form, veterinary history and invoices.
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ReviewWe'll review the details and let you know if we need any further information from you or your vet.
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PaymentOnce your claim is approved, you'll be reimbursed.
Frequently Asked Questions
High-quality insurance is probably more affordable than you may think. Our offering is flexible and individual prices depend heavily on your needs. We’ll carefully consider your requirements and our expert team will help you in ensuring that you only pay for what is relevant to you. If you’re looking for “Cheap Horse Insurance”, our new SEIB Core Horse Insurance offers a cost-effective package of covers that might be of interest.
Our most popular Classic Horse Insurance is for owners looking for full veterinary fee illness cover. It covers Death, Theft and Straying as standard and can be extended to cover:
- Colic Surgery up to £7,500 per incident
- Vet Fees up to £5,000 per incident
- Loss of Use from 60% to 75%
- Tack & Saddlery up to £5,000 per horse
- Public Liability up to £5million per incident
- Legal Expenses up to £50,000 per incident
Classic has a number of cost-saving features too:
- 20% co-insurance option where in the event of a claim, you will be responsible for 20% of the bill plus the £165 excess, with the insurer picking up the balance. Find out more about co-insurance here.
- Unique higher excess options – flexible excess options ranging from £200 – £750
Core Horse Insurance is our budget-friendly option for those looking to reduce costs. The vets fees cover is provided on an Accidental External Injury Only basis, where your horse would be covered for treatment relating to external visible wounds caused by accidental or violent means.
Core Horse Insurance includes as standard:
- Accidental External Injury Vet Fees Cover £1,500 for any one claim and in any one period
- Tack & Saddlery £1,000 per claim
- Public Liability up to £2million per incident
- Personal Accident up to £10,000 per claim
- Dental Treatment up to £1,000 per claim
- Legal Expenses cover up to £50,000 per claim
You can increase your Core protection to include:
- Death (from Accidental External Injuries Only), Theft and Straying, including Disposal Fees of £175 and Farewell Cover of £50
- Emergency Colic Surgery Cover up to £5,000 for horses aged under 15
- Increase Accidental External Injury Vet Fees Cover to £3,000 for any one claim and in any one period
- Increase Tack & Saddlery to £5,000 per claim
Speak to our team for more information.
Terms & Conditions apply.
Although our Classic Horse Insurance policy provides high quality cover for most horses, if your horse is a competition horse with a high monetary value of £50,000 or more, then we do recommend you speak to our Sport Horse Insurance team. Find out more here.
Yes, our Core Horse Insurance is perfect for those looking for affordable Horse Insurance, whilst still having some insurance in place should the worst happen. The vets fees cover is provided on an accidental external injury only basis, which is defined as external visible wounds caused by accidental or violent means. Choosing to cover Accidental External Injuries only, will lower your premium.
Co-insurance is where an insurance policy is shared between the Insurer and the client. Our SEIB Classic Horse Insurance offers a 20% co-insurance option, whereby in the event of a valid claim, you will be responsible for 20% of the bill plus the £165 excess, with the insurer picking up the balance. Find out more about co-insurance here.
By opting for co-insurance, you can reduce your premium.
Yes, a higher excess will reduce your premium as you are committing to pay a larger amount in the event of a claim.
This depends on which Horse Insurance policy you have with us.
Classic Horse Insurance may require a veterinary certificate. This will depend on age, value, cover you require and whether the horse has been owned and uninsured. Speak to our team for more information.
Core Horse Insurance does not require veterinary certificates.
We’re able to offer foal insurance for foals aged 30 days and over. Our foal insurance would work in the same way as our Classic horse insurance policy in that you can choose from a range of veterinary fee levels and excess options. We can also offer specific rates for foals that aren’t used for any in-hand showing.
Our Veteran Horse Insurance is tailored to provide your older horse with the cover they need. It is available for horses from fifteen years old (and younger if you wish). There’s no upper age limit on this product, and it is a package policy which covers accidental external injuries only, with an optional add-on that includes a contribution to emergency life-saving colic surgery at £1,500 max (subject to underwriters’ agreement and an excess).
Using a price comparison site to find a policy may seem worthwhile, but you probably won’t be getting the most appropriate insurance. In such a niche area, relying on sector specialists is a strong option and our specialist team are on hand to help find the best priced Horse Insurance for your needs. As we own and ride horses ourselves, we can ease any concerns you may have. We’ve been specialising in UK Horse Insurance since 1963, so you can trust that what we offer looks after your best interests.
If more than 50 years of award-winning service, a dedicated team of experts who have a moral investment in equine wellbeing isn’t enough, we also provide insurance for the equestrian industry’s biggest charity, The British Horse Society. An exceptional UK charity that demonstrably improves the lives of horses and provides expert advice for owners and riders. We’ve worked closely with the charity for many years now, and hope to continue this in the future. For more information on BHS, click here.
We are also one of only a few equestrian insurance providers that will offer colic surgery cover of up to £7,500. This means that you can rest assured that your horse will be protected should it need to have emergency colic surgery.
Our expertise and knowledge allows us to cater for a vast array of needs. When considering horse or pony insurance, there’s a lot to think about. Consider your horse’s health and age, stabling arrangements, your location, provisions and access to main roads, how often you ride and your financial situation. Whatever your requirements, trust SEIB to provide you with a thorough policy with minimal stress. If you’re unsure which of our policies best suits your needs simply give us a call and our team will be happy to advise you. Call 01708 850 000 or email info@seib.co.uk.
Our standalone Personal Accident Cover can protect you if you suffer an injury when riding, handling, mounting or dismounting your horse. The cost is probably less than you may think as we provide an extensive range of cover options, allowing you to choose a policy tailored to your lifestyle.
