Equine insurance

Our flexible Equine product offers the ability to create bespoke cover across three classes of use. This includes point to point, advanced eventing, show jumping, hacking and pony club.

  • Features & Benefits
  • Trading
  • Policy documents
  • Making a claim

Equine features & benefits

Loss Of Animal (up to £100,000 Sum Insured)

  • Cover for death by accident, illness and disease
  • Cover for the value of the horse following theft or mysterious disappearance

Veterinary Fees

  • Up to £10,000 per incident (Less excess / Co insurance clause) £15,000 in total per horse per policy period

Loss of Use

  • 75% of the Sum Insured or Market Value (whichever the lower)

Personal Liability

  • £2million per horse

Saddlery and Tack

  • Loss, theft or damage to saddle and tack

Horse Trailer and Horse Drawn Vehicles

  • Loss, theft or accidental damage up to £20,000 per item

Personal Accident

  • Up to £20,000 in benefits

Equine Legal Expenses

  • Covering legal expenses and opponent costs arising from an incident involving the insured horse

Equine trading

Direct to Underwriter

Contact our expert underwriting team direct for a quotation. Send your quotes into newbusiness@ruralinsurance.co.uk or contact a member of our underwriting team.

Delegated Authority

Take on control of service delivery, premium and profit with a delegated underwriting authority arrangements. Find out more.


Our scheme facilities offer tailored cover that you control, from service and administration through to premium and branding. Contact your Regional Sales Manager or find out more.

Equine policy documents

Click here to download your policy documents for your Equine insurance policy.

Equine making a claim

At Rural Insurance we understand the importance of the claims service for your clients.

In the event of a claim you or your client should contact our claims team directly at the following address. Please download and complete the claims form to support your claim and send to:

Agrical Limited
The Old Estate Office
56 Leeds Road
North Yorkshire
LS24 9HB
Tel: 01937 838050
Fax: 01937 838053
Email: ruralinsurance@agrical.com