Your Trusted Partner For Equestrian Insurance

Whether your horse is happily retired or out competing regularly, used for hacking or pony club, KBIS have a Horse insurance policy to suit your budget and your horse’s needs. You can completely tailor your policy too and add on a range of useful extras including Public Liability, Personal Accident and Horse Trailer insurance.

KBIS’s extensive product range also includes Horsebox Insurance, Breakdown cover, Property insurance, Personal Accident cover plus specialist Liability insurance for Freelance Grooms, Riders, Instructors as well as Yards and equestrian businesses.

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Horse Insurance That’s With You Every Step Of The Way

We are able to insure horses from 24 hours old up to 30 years of age and consequently, we have specific products for Foal insurance and Veteran Horse insurance. The cover available to your horse will depend on factors such as the market value and age of your horse, as well as the activities they are used for. Our helpful team will be happy to discuss all of the options available with you so you can find a policy that suits your horse’s needs and your budget.


Fantastic service for my horses for over 20 years. Always happy to help you and find solutions.

V. Taylor

The team at KBIS are down to earth and really know their stuff.

A. Kelly

Highly recommend KBIS for all your insurance needs!... You cannot get a better insurance company.

L. Gatrell

Horse Insurance FAQs

We offer a range of different Vet Fee cover options for you to choose from, depending on your horses age, value and the activities you are participating in.

Vet Fee cover provides the insured horse with cover for non-routine veterinary procedures. As a result, Vet Fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required after an injury without you, the horse owner, having to worry about the cost.

Yes, in order to protect your equipment, our Horse insurance policies can provide cover for the physical loss or damage and theft of your Tack in respect of the actual value at the time of loss but not exceeding the sum insured. Cover can be included for sums insured up to and including £10,000, with the excess £100 for each and every loss.

Security requirements must be met in order for saddlery and tack to be covered, including the tack being locked away with a key in the door type lock (rather than a padlock) and the tack room being alarmed if there are more than 10 horses on the yard.

Yes, KBIS are able to provide cover for horses that are on loan. If you are insuring a loan horse you will need to provide our Horse insurance team with a copy of the loan agreement. This means that KBIS can direct any claim settlements to the right party (Veterinary Fee claims are usually settled to the loanee whilst mortality and loss of use claims payments are settled to the owner).

Do double check that the horse is not currently insured by the owner, as it may be more beneficial to keep the existing policy in place until renewal than (in order to not have a limitation period placed on the new policy). If you decide to wait until the expiry of the existing policy, check out our insurance insight on moving insurers at renewal.

It’s straightforward to get a Horse insurance quote with us. If your horse is valued under £20,000 you can use our fully automated Horse insurance quote system. This will show you which cover is available depending on the information you enter.

For horses valued over £20,000, please call us on 0345 230 2323 and one of our team will be happy to provide you with a quote.

There are over 340,000 horse-owning households and over 870,000 individual horses in the UK (Source: BETA) which is why KBIS Horse insurance policies offer a wide range of options from policies with more limited cover, to comprehensive horse insurance. Our horse insurance policies now include Legal Expenses cover up to £50,000 per claim as standard.