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Affordable horse insurance

No hefty quotes. Flat online rates. Shopping savings.

We know that for many, horse insurance policies are essential for keeping horse and rider protected. That's why we make sure our prices are transparent, you can buy your cover online in minutes and we throw in extra membership perks too.

We're here for you with: public liability and rider insurance, horse vet fees with colic insurance and horse trailer insurance policies.

Find out why our members label our perk-filled policies "no brainers" and our service "absolutely brilliant"!

Why purchase insurance at Harry Hall?

  • Don't dread your renewal. We reward our members for sticking with us!
  • You can get covered online in minutes with no lengthy forms to fill in.
  • What you see is what you get with no horse insurance quotes, just flat online rates meaning you can compare the price of options without having to pick up the phone.
  • From 30 days old to veteran horses, all but one of our policies have no age limits.
  • One Club members save up to 30% off our online equestrian shop and get free delivery on orders too!

Our Equine Insurance Options

Public Liability & Personal Accident Insurance

Our One Club Gold Membership includes:

  • £10m Public Liability Insurance
  • £10k Personal Accident Insurance
  • Amazing savings on HarryHall.com
  • Free UK Delivery & Returns

Vet Fee and Trailer Insurance are exclusive to our One Club members.

From £3.58 per month

"The fact that my family and I are protected should anything happen with our ponies is reassuring, but being at such a great price point AND getting free delivery in the store is fabulous!" ★★★★★


Gold Plus Membership – all the same great benefits & insurance as Gold but with additional cover for Affiliated competitions.

Perfect if you're thinking about buying a class ticket for British Dressage, British Show Jumping or competing at a venue under affiliated rule.

From £4.83 per month

"Excellent value for money cover, and then the bonus of being able to buy quality items at such a discount!! I love that I am now covered to compete at affiliated events as well." ★★★★★

Horse Trailer Insurance

Member exclusive Horse Trailer Insurance includes:

  • Accidental damage or theft cover up to the values of £2,000, £5,000 or £8,000. Pick the option to suit you.
  • Recovery, delivery and hire trailer costs included to ensure you and your horse get home safe.

From £90 per year

"Easy to purchase and renew, great value for money and the policy is one of the better ones in terms of what is covered. 2nd year of having this trailer insurance." ★★★★★

Vet Fees Insurance

Member exclusive Horse Veterinary Fees Insurance includes:

  • Protection for accidental external injuries up to claim limits of £1,500 or £3,000. Pick the level to suit your needs.
  • Covers up to 2 horses as standard or up to 4 horses for One Club Gold Family members.

*Provided for accidental external injury only. Excludes horses less than 30 days old.

From £78.50 per year

"Wow what an amazing service from Harry Hall using their vets fees insurance , the staff were so helpful. The claim was paid within 2 weeks of my vets invoicing. I can’t recommend this insurance and the staff any more highly. It’s been the best service I have received in over 30 years of insuring horses." ★★★★★

Add Colic Cover

Add Colic Cover

In addition to our standard Vet Fee policy, you can also protect against Colic:

  • Up to £5,000 claim cover for Colic surgery.
  • Covers up to 2 horses as standard or up to 4 horses for One Club Gold Family members.

Simply choose Colic as a Vet Fee Cover add on.

*Excludes horses over 15 years old.

From £82.12 per quarter

Add Tack & Disposal Cover

In addition to our standard Vet Fee policy, you can also cover:

  • Equine Saddlery & Tack Cover up to £1,000
  • Disposal & Euthanasia Cover up to £300

Simply choose your extras from our Vet Fee cover options.


Why horse owners may need Public Liability Insurance

Public liability horse insurance is vital. It covers riders out on their horse in a public space, against injury or damage to a third party, in the situation where you are found liable. Our public liability insurance is one of the many benefits of joining our Gold membership.

Horse public liability insurance is often referred to as rider insurance and is frequently a requirement for owners and riders taking part in equestrian events. Our Gold Plus Membership covers affiliated competition riding for those that need it.

Becoming a member is easy and straightforward. Harry Hall One Club membership not only guarantees to cover you for unfortunate incidents, but you’ll also receive exclusive discounts on our horse riding clothes and accessories, including horse rugs.


Why take out Horse Vet Fees Insurance

Having Vet Fees insurance in place can provide peace of mind for you should the unexpected happen. We provide cover from accidental, external injuries to colic and disposal so you can find the level of protection that’s right for you and your horse.

From foals to golden oldies, our insurance covers horses no matter what they are doing, and with no upper age limit* on our vet fees insurance, we can provide cover for your horse from just £78.50 a year.

Honestly, horse insurance can be expensive. That's why we set out to provide affordable options for the UK's diverse horse owners.

At Harry Hall we offer transparency in all our pricing and your options could cost as little as:

  • Horse Public Liability Insurance and Personal Accident Cover from £43 per year
  • Horse Vet Fee Insurance from £78.50 per year (plus membership from £10 per year to access)
  • Horse Trailer Insurance from £90 per year (plus membership from £10 per year to access)

We're confident those prices will save most horse owners a bunch on their next renewal!

Equine insurance can cover riders in a variety of ways, these include:

  • Public liability cover
  • Veterinary fees
  • Theft/ straying/ mortality
  • Permanent loss of use
  • Personal accident cover
  • Saddlery and tack
  • Colic
  • Trailers and horse-drawn vehicles

Here at Harry Hall, we understand the importance of ensuring your horse is happy, healthy and safe. This means it’s key to have the right policy in place to cover you should something unfortunate happen.

Speak to a member of our team today for more information; we’ll be more than happy to help and ensure you take out the right cover.

Yes, you will need to be a One Club member to benefit from Harry Hall’s horse insurance covers. However, it’s super simple to become a Bronze from £10 per year or Gold member from £3.58 per month.

You simply add the membership product you want to your basket to unlock access to our Vet Fees and Horse Trailer policies.

Already a member? Login to your account to unlock access.

For Gold members, you will receive public liability insurance and personal accident cover for horse riders**

More than that you'll unlock big savings and free delivery on HarryHall.com too!

Horse and pet insurance policies share the same purpose in protecting the owner from big claims or costs that relate to the animal. Probably the most comparable is cover for expensive vet fees, though for a horse these can be much more costly and conditions like Colic should also be considered.

As an owner or rider, public liability to protect from damage or injury by your horse, and personal accident cover for financial support related to injuries are much more relevant to us horsey folk.

There are also additional policies like saddlery and tack cover or horse trailer insurance designed to pay towards the cost of replacing damaged or stolen extras that go with being a horse owner.

Another factor are disposal costs which although tough to think about are well worth protecting against with insurance.

At Harry Hall it's our goal to make all this cover as transparent and affordable as possible. That's why you can pick out all of the above in our policies bit by bit to get the perfect policy for you and an amazing price.

We don't want horse owners to feel that their horse isn't worth insurance cover, no matter the age. Our standard Vet Fees cover doesn't have a higher age limit which can make it a cost-effective fit for veteran horses at only £78.50 per year.

No-one wants to think about the costs associated with the end of a horses life, but protecting yourself with Disposal Cost Cover can help to reduce financial stress at such a difficult time.

Important Information

  • Harry Hall International Limited is an appointed representative of SEIB Insurance Broker Limited who are authorised and regulated by the Financial Conduct Authority.
    Terms, conditions and territorial limits apply. SEIB Insurance Brokers Limited are authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 479477. Harry Hall International Limited firm reference number is 779468 and you may check this on the Financial Services Register by visiting the FCA website here https://register.fca.org.uk/s/
  • Pony Club products and Personalisation are excluded from the FREE UK delivery offered to Gold Members. Free delivery is offered to UK mainland customers only.
  • 12 month's free SafeRide unlocked by completing your horse profile after downloading the Harry Hall Riding App and associating your One Club login. One time only offer and non-transferable. Subject to availability and Harry Hall reserves the right to remove the offer at any time.
  • Harry Hall donates £0.05p from new, single orders to our charity partners. Please note the following exclusions apply: renewals, Pony Club and Gift Cards,
  • Sign up vouchers are delivered to marketing consented customers by email and have a limited expiration and specifc terms of use. Please refer to the email for further details and note that vouchers are single use for new and renewing customers only.
  • In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall Riding App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.

One Club Gold, Public Liability & Personal Accident Policy Documents

Vet Fee Insurance Terms & Policy Wording

Horse Trailer Insurance Terms & Policy Wording

Contact Us

Claims Procedure

Joining the Harry Hall One Club means exclusive product discounts, year-round savings, free delivery, competitions, access to riding technology and much more. But it also means you and your horse are at the heart of everything we do.