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Life Insurance

Life Insurance for horse riders will often be accepted at normal terms. The type of horse riding that you do may need to be disclosed on your Life Insurance application, however some insurers will not require details of private hacking if that is all that you do. The insurer may wish to know how often you ride, whether this is an amateur or professional activity and if you take part in competition or show jumps.

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Critical Illness Cover

Critical Illness Cover for horse riders is also often available at normal terms. Horse rider Critical Illness Insurance applications may be subject to exclusions to the Total Permanent Disability aspect of the policy. This exclusion may be applied if you are a frequent horse rider and/or take part in more hazardous aspects of the sport such as competitions and show jumps. Whilst this may not be desirable, TPD is more of an additional extra to these policies and the exclusion should not deter you from the significant benefits of the cover. If you want more information about Critical Illness Cover and TPD please feel free to contact us on 0800 567 7450.

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Income Protection

When you are a horse rider, insurance applications for Income Protection will often be considered for normal terms when you take part in private hacking only. If you take part in competitions or show jumping then your application will be considered and most likely accepted with exclusions. This would mean that should you be unable to work due to an accident or illness due to your competitive horse riding, that you would be unable to make a claim on the policy.

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If you compete or perform show jumps and do not want an exclusion on your plan then a financial adviser may be able to offer you a package comprising of accident/sickness cover and income protection cover that could provide some cover for your activity. If you would like further details on this please feel free to contact us on 0800 567 7450.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Horse riding for insurance purposes involves general leisure activities, hacking, polo, dressage, vaulting, show jumping and other equestrian sports.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research

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