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Top 5 Reasons to have a Standalone Personal Accident Policy

Injury & Illness

  • 1. The policy provides cover for illness as well as injury, so if you're unable to work for either of these reasons, it will be there to help.

365 & Worldwide

  • 2. No one has control over when and where accidents happen. Our standalone Personal Accident policies provide cover for 365 days a year. The cover is also valid across the world and covers you for more than just equestrian activities. You could fall down the stairs, or suffer from a long term illness, and the policy will be there when you need it most.

Weekly Payments

  • 3. If you're unable to work due to an illness or injury, the policy will pay out a weekly benefit after a specified amount of time, 14 days for injury and 21 days for illness. This amount is related to your earnings and is above what you would receive as standard Statutory Sick Pay (SSP). It is particularly important to consider Personal Accident cover for this benefit if you are self-employed and therefore not entitled to SSP. 

Dental Benefit

  • 4. There are some dental treatments that are not covered under the NHS. These are mainly cosmetic but would be covered by the policy if required. 

Catastrophe Payouts

  • 5. Whilst we like to focus on the many positives of riding, the nature of the sport means there are serious accidents that can happen. Life-changing injuries that occur as a result of riding or handling a horse will entitle the policyholder to a lump-sum benefit, where the amount varies depending on the injury sustained.

To find out more about our standalone Personal Accident cover and the options available click here.

We have also created bespoke policies for both British Eventing members and members of the British Grooms Association.

There is also an option to include Personal Accident insurance on your Horse Insurance policy. However, this only provides cover in relation to the horse named on the policy and is much more limited cover than above. Including Personal Accident on your Horse Insurance policy only includes cover for permanent disablement and death.