Horse & Rider insurance

KBIS offer a variety of options when it comes to Horse & Rider insurance. You can choose to include Personal Accident cover as an addition on your Horse insurance policy from just £15 per horse per year. If you choose to combine Rider insurance within your Horse policy, cover includes anyone riding or handling your horse with your permission aged 5 – 75 years (excluding paid professionals). Benefits include payments for death or permanent disablement as well as some dental work.

Alternatively, you can take out a stand-alone Personal Accident Policy. Our standalone Personal Accident policy offers a more comprehensive level of cover, including weekly benefits if you are unable to work. The policy is also 24/7 and provides worldwide cover, therefore will cover for accidents which occur whilst riding, as well as the unfortunate incidents which can happen at any time, such as falling down the stairs or suffering from a long-term debilitating illness.

For your Horse insurance, we have tried to make our policies as flexible as possible allowing you to tailor the cover to your individual requirements. Depending on your horse’s age and the activities the horse is used for, you will have the choice of up to ten different types of Veterinary Fee cover, which vary in excess and incident limits.

kbis horse insurance
Get a Horse & Rider insurance quote

We have two different types of policy; Competition Horse cover and Leisure Horse cover. Our Competition Horse cover provides more comprehensive cover with incident limits up to £6,000 for Veterinary Fees, colic surgery up to £7,500 and an allocation for both complementary treatment and hospitalisation costs. Our Leisure Horse cover offers a range of more cost-effective insurance options, including cover for Open Wounds Only and our unique Catastrophe Cover, which can both be purchased as standalone Veterinary Fee policies.

These Veterinary Fee options all include 15 months cover from the onset date of a condition, allowing you longer to claim when you need it most.

Features & Documents

Horse & Rider Insurance – Eligibility

Your Horse’s Age

Our online horse insurance quote system is able to provide quotations for any horse or pony between 90 days old and 30 years. There are certain limitations to the policy cover which depend on the age of your horse, however our fully automated horse insurance quote system will show you which cover is available depending on the information you enter.

Your Horse’s Value

The maximum value of horse we will quote for online is £15,000, if your horse is worth more than this KBIS can still cater for your needs but we will need to speak to you over the phone on 0345 230 2323 to provide a quotation and arrange cover.

For horses valued over £20,000 you may want to consider cover through our specialist Sport Horse Insurance Policy

All horses (and owners!) must be domiciled in the United Kingdom.

Your Age

Anyone from the age of 5 years up to 75 years riding or handling your horse with your permission (with the exception of professionals) will be covered under the personal accident section of your insurance policy. 

Horse & Rider Insurance – Cover Available

The following cover can be purchased under both a KBIS Leisure Policy and KBIS Competition Policy (with the exception of Permanent Loss of Use which is only available under our Competition policy)

Please note the information below outlines the cover available, if you have a policy with KBIS your exact cover will be specified on your certificate of insurance.

Death,Theft and Straying

Death,Theft and Straying is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse

Vet Fee Cover

Vet fee cover provides the insured horse with cover for non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury without you, the horse owner, having to worry about the cost.

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

Our Competition cover provides more comprehensive cover with incident limits up to £6,000, and cover for complementary treatment and hospitalisation.

You can view the vet fee cover available under each policy below:

Competition Vet Fee Cover

Leisure Vet Fee Cover

Permanent Loss of Use

(Available under our Competition cover only)

Permanent Loss of Use (PLU) will provide cover if your horse sustains an injury or condition which in the opinion of both your own vet and the Underwriters vet means that the horse will no longer be able to fulfil the activity for which he is insured as stated on your certificate of insurance. You can choose to insure your horse for 100% PLU or 75% PLU

Public Liability

Public Liability is one of the most important areas to consider taking out cover. It provides the policy owner with cover against their liability to a third party, for example, if you were out hacking and your horse spooked and kicked a car causing an accident on the road. You can choose between three levels of cover, up to £1,000,000, £2,000,000, or £3,000,000.

Personal Accident

Personal Accident insurance covers you if you sustain a bodily injury through riding, handling, mounting or dismounting the insured horse. We can offer two levels of cover to choose from: Scale 1, which offers a benefit of £10,000; and Scale 2, which offers a benefit of £20,000.

Saddlery & Tack

We 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

Trailer/Horse Drawn Vehicle

You can insure your trailer (up to a value of £10,000) against physical loss or damage whilst immobilised and whilst being towed. The excess on this section is £100.

We can also provide stand alone trailer insurance for values up to £20,000

Horse & Rider Insurance – Vetting Requirements

The table below outlines our vetting requirements depending on the type of cover you wish to take out and the market value of your horse (not the value that you are choosing to insure the horse for). 

For all levels of cover you will be required to complete a proposal form.

Ask KBIS, if you have any questions email them to – they can be written or videoed and we will get back to you with our answer.

Mortality & Theft Cover Only

Market Values up to £9,999 None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy
Market Values £10,000 to £20,000 Two or five stage vetting*

Vet Fee Cover

Market Values up to £6,000 None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy
Market Values £6,001 to £9,999 Two or Five stage vetting* unless the horse has been owned for a minimum of 6 months
Market Values £10,000 to £20,000 Two or Five stage vetting*

Permanent Loss of Use

Market Values up to £9,999 Five stage vetting*
Market Values £10,000 – £19,999 Five stage vetting* plus X-rays.
View x-ray requirements
Market Values £20,000 and above Five stage vetting* plus X-rays.
View x-ray requirements

*Any vetting should have been carried out no more than 14 days before the start of the cover. If the vetting falls outside of this period then we would require a new vetting to be carried out in addition to seeing the original vetting.

Horse & Rider Insurance – Claim Forms

Online Claim Forms:

Downloadable/Printable Claim Forms:

Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.

Please note that if you are intending to make a mortality claim, it is a condition of the policy that a post mortem examination is carried out and the report sent to KBIS.

The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may result in your claim not being paid.

1) Initial notification

Contact KBIS as soon as possible. You can contact KBIS by:


UK Telephone No: 0345 345 2323
Outside UK: +44 (0) 1635 247474

View our office opening times.


2) Obtain a Claim Form

You can download the relevant claim form from the list above or alternatively if you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation

3) Collate all necessary information

In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.

4) Send the completed claim for and documentation to KBIS

Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.

Horse & Rider Insurance – FAQs

Please see our Horse Insurance page for our full list of frequently asked questions.


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