Award-Winning, Flexible
HORSE RIDING
INSURANCE
- Worldwide Travel Insurance for horse riding
- Competition cover included
- A leading sports insurance provider in the UK
Our Horse Riding Insurance policy options
Put simply, we offer three different policy options…
1. Travel Insurance
Our Sports Travel Insurance will cover you whilst riding abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.
2. Travel Insurance Bolt-On
If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for horse riding, we can provide a bolt-on style of protection for your trip.
3. Sports Accident Insurance
Our Sports Accident Insurance is designed to protect you whilst riding in the UK, whether that be for leisure or competition. The policy provides a range of benefits including personal liability and income protection.
Our claims record
HIGHEST PAID CLAIM
£174,984.64
FOR AN INSURANCE CLAIM**
AVERAGE PAY OUT
£1,295.07
FOR EACH INSURANCE CLAIM**
OUR AVERAGE CLAIMS RATING
4.9/5
ACCORDING TO OUR FEEFO SCORE***
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Why choose us
30 Years Experience
We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.
Professional Claims Handling
We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.
Underwritten by Experts
We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.
UK Based Customer Service Team
Our highly experienced Sales team are available to help support you with any questions that you might have.
5-Star Customer Service Rating
Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.
500+ Sports Covered
Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.
What is Horse Riding Insurance?
We understand that horse riding can be a very high-risk activity and with this in mind, have developed our insurance products; whether you are travelling abroad or wanting protection at home, we can cover you.
If you are heading overseas, our Sports Travel Insurance policies include benefits such as medical expenses and repatriation cover, personal accident along with protection for cancellation, travel delays and more.
If you are riding in the UK, our Sports Accident Insurance can reimburse the expenses that may follow due to an accident related to riding. The policy includes cover for broken bones, physiotherapy as well as legal fees and income protection cover.
So, be sure to get your Horse Riding Insurance before you take the horse out for a trot.
What does Horse Riding Travel Insurance cover?
- Emergency Medical Expenses & Repatriation – up to £10 million
- Cancellation & Curtailment – up to £5000
- Personal Accident cover – up to £25,000
- Baggage & personal effects – up to £2500
- Sports Equipment – up to £5,600 (additional premium).
- Search & Rescue – up to £50,000
- Activity & Race Entry Fees – up to £500
- Travel Delay, Abandonment and Missed Departure – up to £5000
Our policy provides bronze, silver and gold cover levels, which correspond to the value of your benefits such as sports equipment, cancellation and baggage. Request a quote to find out more details about the different levels available.
How much does horse riding insurance cost?
Our horse riding travel insurance varies depending on length of trip, if you opt for single or an annual policy, the level of cover you select, either bronze, silver or gold, plus where you travel to (e.g Europe or USA).
These are example quotes to highlight a single 8-day trip to Europe, selecting horse riding as an activity.
Example quote: 8 Day single trip to Europe – Horse riding
- from £91.66 (bronze)*
- from £105.09 (silver)*
- from £127.37 (gold)*
*Prices based on a quote made 07/04/25. Excess may apply.
How is Horse Riding Insurance different?
Every year hundreds of horse riders choose us for their horse riding insurance. We understand that horse riding can be a very high risk activity and with this in mind, have developed our insurance products.
We cover horse riders for both personal accident insurance and travel insurance if required. We can also provide you with horse riding insurance at a competitive and non-competitive level (including training camps).
For horse riding we exclude cover for personal liability as we would expect the owner of the horse to have separate cover for the horse which would cover for any damage or injuries that it caused.
Discover the full extent of our cover
Or Call us on 01494 484800
Frequently Asked Questions
Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your riding equipment in transit to and from your destination.
Yes, our Horse Riding Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.
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