Equine Insurance

Horse & Rider Insurance

Here at Lycetts, we can provide horse and rider insurance for horses valued under £10,000 on the following basis:

  • Death by accident, illness and disease insurance
  • Theft or straying insurance
  • Public liability insurance
  • Insurance for the loss of UK horse passports
  • Equine legal protection insurance


Optional horse insurance cover includes:


  • Personal accident insurance for the rider of up to £20,000 following death or disablement (including £1,000 dental treatment)
  • Options for veterinary fees insurance of £3,000 or £5,000, with different levels of excess
  • Loss or damage to saddlery and tack insurance with options of either £1,000 or £2,000
  • Permanent loss of use insurance for accident, illness or disease for 100% of the sum insured if the horse is totally incapacitated or 60% if the horse can still be used
  • Stable loss insurance of up to £500 for cost of alternative stabling
  • Loss of entry fees insurance up to £300 caused by death of an insured horse or hospitalisation of an intended rider
  • Trailers and horse-drawn vehicles insurance for theft or accidental damage with an excess of £100 or 10% of the loss


Insurance for animals over 16 years of age includes death by accidental, external injury, theft or straying, liability, legal protection and veterinary fees for injuries up to £3,000 per annum.


Our standard policy is suitable for horses worth up to £10,000 each. More expensive racehorses, competition horses and eventers may have more specialist insurance requirements and if you own horses of this nature, we are able to offer bespoke policies tailored to your needs.

Get in touch

We’ve offices located all across the United Kingdom

And we’re always available for you by telephone or email whenever and wherever you need us.

Contact our expert directly or alternatively complete your details below to contact the team.

Please read our privacy policy to learn how we will use your data

  • This field is for validation purposes and should be left unchanged.

How to claim leisure horse insurance

In the event of a claim, please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident.

Some policies have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.

For further detailed information, please click here.

Have you thought about...

Running a riding school is a constant juggle which requires matching the expectations of...

read more

If your property has outbuildings, stabling, an arena or gallops or you operate an...

read more

A number of our clients live and work from houses and yards which they rent. As they don't...

read more

Due to the flexible nature of the policies that we can offer, we are able to arrange short...

read more

Our People

We provide our clients with more than just insurance solutions.

Our experienced staff understand your needs.

Previous Next
Charles Foster 3

Charles Foster

Chief Executive

Nick Straker 3

Nick Straker


Simon Landale 3

Simon Landale


Colin Sadller 3

Colin Sadler


William Barne 3

William Barne


Lycetts Insights

Lycetts Insights provides updates on topical issues and key events.

Read more about developments both in insurance and at Lycetts.

Be cautious about farm machinery investment drive

September 8, 2021

read more

Managing land to meet climate change

August 12, 2021

read more


Our Offices

  • Newcastle

  • Ayr

  • Berwick St.Leonard

  • Catterick

  • Edinburgh

  • Exeter

  • London

  • Ludlow

  • Marlborough

  • Newcastle Risk Management

  • Newmarket

  • Norfolk

  • Northamptonshire

  • Oxford

  • Shropshire

  • Surrey

  • Sussex