Personal Accident Insurance for Horse Riding
Find out why horse riders should protect themselves financially from accidents and injury.
What is horse rider personal accident insurance?
Personal accident insurance specifically for horse riders offers financial protection from injuries and illnesses sustained whilst riding. In most cases, an insurer pays out a certain value as stated in the policy relative to an injury, disablement or even death of the rider.
What personal accident insurance do Harry Hall offer?
- Harry hall provides £10k Personal Accident as standard in all our Platinum and Gold Memberships. You can read up on the types of bodily injuries covered here in the personal accident policy wording.
- Combined with £10m Public Liability insurance you can cover rider and horse online in minutes.
- By selecting an Enhanced policy you can even include Rider Fracture Cover to provide some financial relief if you break a bone listed in the policy whilst taking part in equine activities.
Do you need personal accident insurance?
It is often purchased as your livelihood could be at risk as a result of a riding-related injury. Medical expenses and loss of earnings can lead to significant financial distress that personal accident policies are designed to ease – there are many different options on the market and its important to choose one that is right for your individual needs.
As a rider, we know making sure our horses are insured is near the top of our priority lists, but many riders forget they also could be covered themselves.
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Frequently asked questions
Generally, there are very few exclusions to who is eligible for personal accident cover, with the limits usually applied to the injuries and accidents covered, the activities undertaken by the policy holder and the policy holder’s age. Always be sure to check policy wording… you can find ours here.
Whilst personal accident cover costs and fees can range drastically from company-to-company and dependent on your level of cover, we pride ourselves as being affordable to all, with premiums for £10k personal accident starting as low as £4.50 for our Gold membership plan, which even includes £10m public liability insurance and a whole host of Harry Hall One Club member benefits, including discount vouchers for equestrian gear!
Enhanced rider fracture cover can be added to our Gold memberships from £1.50 per month too for extra peace of mind.
Personal accident insurance for horse owners or riders encompasses a range of protections tailored to mitigate financial risks associated with horse riding or handling accidents. This coverage typically includes compensation for medical expenses resulting from injuries sustained while handling or riding horses, and reimbursement for rehabilitation costs.
As an example, the personal accident insurance in a Harry Hall One Club Gold Membership provides financial reimbursement in the event of accidental death, loss of limb, speech or hearing and permanent disablement resulting from horse-related incidents.
Policy documents are the best place to look for which injuries and accidents are specifically included or excluded in each insurer’s policy.
Horse rider personal accident insurance typically covers a range of injuries resulting from an equestrian accident. These injuries could include the following:
- Death: Coverage for accidental death, providing financial assistance to the insured’s beneficiaries.
- Permanent Total Loss of Sight: Compensation for the permanent and total loss of sight in one or both eyes.
- Loss of Limbs: Coverage for the loss of one or more limbs due to an accident.
- Permanent Total Loss of Speech: Compensation for the permanent and total loss of speech resulting from an accident.
- Permanent Total Loss of Hearing: Coverage for the permanent and total loss of hearing in one or both ears.
- Permanent Total Disablement: Financial assistance in case of permanent and total disablement due to an accident.
Cover for fractures and breaks can often be added additionally, but will likely exclude fingers and toes. At Harry Hall, that would mean upgrading your Gold or Platinum membership to Enhanced.
The specific coverage and benefits may vary depending on the terms and conditions of the insurance policy. It’s essential to review the policy wording to understand the exact scope of coverage provided.
: Personal accident insurance for horse owners is not mandatory by law. However, it is commonly used by individuals involved in horse-related activities due to the potential risks involved.
Having personal accident insurance can provide financial protection in the event of injuries sustained while handling or riding horses, helping to cover medical expenses and loss of income. Ultimately, the decision to purchase personal accident insurance depends on the individual’s assessment of their own risk and financial situation.
No, the personal accident insurance only covers medical expenses for the horse rider or owner. If you’re looking for insurance that covers accidental external injury medical expenses for your horse, head over to our vet fees insurance policy.
Yes, there are usually age restrictions for personal accident insurance for horse riders or owners. At Harry Hall, Gold and Platinum members must be under 75 years old at the beginning of the period of insurance to be eligible for cover.
It’s important to check the policy wording to understand specific conditions related to age.
Kids can be covered on their own with parental consent, or you can add them to your own One Club Gold Membership Family where you can cover up to four different riders living at the same address. It’s important to check the policy wording to understand specific conditions related to age.
Important Information
- Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.
- Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here
- Personalised products are excluded from the FREE UK delivery offered to Gold and Platinum Members on HarryHall.com. Free delivery is offered to UK mainland customers only.
- The LawAssure platform and legal helpline is available to the following members: Purchased or renewed a Gold, Gold Family, Gold Plus, Gold Plus Family, Platinum or Platinum Family Membership after 1st February 2024 and over the age of 18. See full terms of service here.
- One Club Family members must all reside at the same address.
- Harry Hall donates £0.10p from new, single orders to our nominated charity partners. Please note the following exclusions apply: renewals and gift cards
- Shopping vouchers are delivered to marketing consented customers by email or in the One Club app and have a limited expiration and specific terms of use. Please refer to the email or promotion terms for further details and note that vouchers are single use for active members only and have a minimum order value.
- 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 App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.