99% of all valid claims paid within 14 days*
95% of reviewers recommend Harry Hall*
87% of One Club Members have been with us for years*
Enjoy exclusive member perks and legal support
Fast online sign-up – no vetting
You pay the same price everybody else pays, no hidden pricing
Trusted British brand since 1891
Experienced, Friendly Yorkshire Customer Service Team
Every year we donate thousands of pounds to equine charities
Add multiple horses at no extra premium
No premium hikes if you claim
Our prices are the same for every horse, regardless of age
Liability & Personal Protection
If your horse causes an accident, colliding with a car, damaging property, or injuring someone else — you could be held legally responsible for the cost. Our Public Liability cover protects you whether you’re riding, handling or leading your horse in the UK, and Personal Accident cover protects you if you’re the one who gets hurt.
Veterinary and Medical Care
Accidents happen fast and vet bills can run into thousands. Our Vet Fee cover pays out for accidental external visible injuries, the kind of unplanned knock, cut or kick that no owner can predict.
Financial Loss and Ownership Changes
Disputes over sales, loans, liveries or boundaries can be costly and stressful to navigate alone. Our Equine Legal Expenses cover gives you the backing to take legal action or defend yourself, with support on hand whenever an issue comes up.
Older horses shouldn’t lose out just for growing old. Where many insurers cap cover or hike premiums as your horse ages, Harry Hall applies no upper age limit on most policies and doesn’t penalise you with higher premiums for pre-existing conditions. Because a lifetime of loyalty deserves a lifetime of cover.
Competing brings extra risk — for you and your horse — whether that’s at an affiliated championship or a local unaffiliated show. Our cover can extend to both, so you’re protected wherever you compete.
Own more than one horse? Most insurers charge a separate premium per animal. We don’t.
Getting your horse from A to B brings its own risks, trailers and horseboxes are expensive to replace.
Excellent based on 15,964 from
“At Harry Hall lifetime insurance covers any horse over the age of 30 days, from any value and with no vetting required.”
“We also don’t penalise you on higher premiums for pre-existing conditions.
You can take out up to £6,000 catastrophe vet cover on accidental external visible injuries that can be used for up to four horses at no additional premium. Or you can take out multiple policies if you own more.
The cover can also remain with your horse throughout their lifetime such as if transferred to a new owner.
We keep pricing fair and stable with no increase to premiums if you need to make a claim.
Because all horses matter.”
– Lisa, Head of Customer Services, Harry Hall One Club
Horse insurance protects you from some of the costs that arise if your horse is injured, causes damage, is stolen, or sadly dies. The common combination of our products can cover vet fees, public liability, personal accident, mortality/theft, tack and transport.
What’s available at Harry Hall:
Through One Club memberships you can add cover for:
Worth knowing: AEVI pays for injuries where there’s an accidental visible external wound; it doesn’t cover illness. This is a deliberate design to avoid high‑premium medical policies.
Honestly, horse insurance can be expensive. That’s why we set out to arrange 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:
We’re confident those prices will save many horse owners a bunch on their next renewal!
Worth Knowing: Other providers tend to charge per horse, whereas at Harry Hall you can share the cost of a policy across multiple horses at no extra cost.
Yes, you can insure your horse without vetting at Harry Hall. In fact, it’s not a requirement for any of our insurance policies.
Worth knowing: Some insurers typically require vettings at higher horse values or for “loss of use”/full illness cover.
All our memberships and policies cover the whole of the UK this includes Northern Ireland. Check our policy documents for any territorial limits.
Yes membership unlocks access to insurance pricing and benefits and usually pays for itself in one shop!
One Club Members can save an average minimum of £193 with exclusive discounts and offers*
Worth knowing: Gold & Platinum memberships bundle rider liability + personal accident, often removing the need for separate rider policies.
Older and retired horses can be added to any policy as part of our multi-horse as standard, at no extra premium cost. Because all horses matter.
They can still benefit from liability and accidental external visible injuries vet‑fees protection at Harry Hall.
There are some limitations we have where we are unable to cover horses over 15+ years for colic surgery and horses over 29+ years for mortality cover. We want to make sure we’re always acting in the best interest of your horse’s health.
Yes, our horse insurance covers all equids including horses, donkeys, ponies, mule, ass or jennet.
No, it’s not legally required in the UK, but under the Animals Act 1971 you can be held strictly liable for damage or injury caused by your horse. Public liability insurance is strongly recommended and often required by livery yards, riding clubs, and event organisers.
Horse and pet insurance policies share the same purpose in protecting the owner from big claims or costs that relate to owning the animal. Probably the most comparable is cover for expensive vet fees.
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 horsey folk.
There are also additional policies like saddlery and tack cover or horse trailer and horsebox insurance designed to pay towards the cost of replacing damaged or stolen extras that go with being a horse owner.
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 arranged policies bit by bit.
Yes, provided you have an insurable interest and the owner is listed as loss payee.
Yes. We keep it simple: no extra cost for adding horses, no separate policies or renewal headaches, and no inflated premiums for caring about your whole herd.
Insure up to 2 horses under one policy as standard, and if you need more:
Share your claim limit across all horses on your policy without hidden fees and enjoy peace of mind.
Worth Knowing: Most insurers charge per horse, making multi-horse ownership expensive and complicated.
Harry Hall has no upper age limit or value limit. Because all horses matter.
There are some limitations we have where we are unable to cover horses over 15+ years for colic surgery and horses over 29+ years for mortality cover. We want to make sure we’re always acting in the best interest of your horse’s health.
Your premium will not increase if you make a claim. All members pay the same premium as we believe in rewarding loyalty, not penalising you when you need to use your cover.
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